vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute that my XXXX XXXX XXXXoans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
Experian wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX sent all three credit bureaus a letter alone with proof of my identity my physical address and my mailing address. On XX/XX/2021 Experian sent me an email stating the results and they declined to remove all names, All addresses that are not on my drivers license, And that is not on my mailing address that I sent proof of or my physical address that I sent proof of I sent letters and proof to Experian, XXXX XXXX, XXXX. I hope and pray that you can help me with this matter and that all addresses and names that are not on my mailing address and my physical address and my name thats on my drivers license that all the other addresses and names be removed and delete from my credit file thanks so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
The initial leased was placed under myself and my ex-husbands name. Upon separation my ex-husband took over the lease and the company representatives ( Manager/Staff ) was informed. My ex-husband was to assume all the debt of any remaining balances once he moved from there. The lease was to be placed in his name alone upon our seperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I've sent Chase a default and opportunity to cure which they have 10 days to respond after the receipt of delivery. Chase has not rebutted any of my affidavits that has been sent to them by mail via USPS certified mail. Chase has violated federal laws Truth in ending as well as Fair Debt Collection Act. 

Fact, Pursuant to 15 USC 1692a ( 6 ) states some who regularly collects debt. In my case the debt is alleged. Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; Chase stated and invoice me stating I owe a debt after using my credit card.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1602 ( p ) unauthorized use of card. My social security card has been authorized for chase to use by me the consumer. What makes it an unauthorized use is because I'm not benefitting from the consumer credit transaction I authorized with Chase bank. Proof of unauthorized use is shown in exhibits and labeled.

I hold Chase criminally liable for their actions 15 USC 1611 ( 1 ). 

Please do not disregard this serious matter because further actions will be taken after the 10 days after Chase receives notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I had a balance transfer amount remaining that was coming due on XX/XX/XXXX. Chase does not offer an option on their website to allocate a payment to a particular purchase with an outstanding balance. I called the company on XX/XX/XXXX and spoke to a payment representative and asked if I could allocate a payment directly to the remaining balance of the balance transfer in order to avoid interest payments or fees on that balance transfer. The payment representative told me yes, she could accept a phone payment and allocate the payment directly to the remaining balance transfer amount. I then gave her my banking information and she transferred the funds and told me the payment would be allocated to the balance transfer amount. I received my XXXX statement, and the payment I had made had not been applied to the balance transfer amount. Instead, Chase applied the payment to the balance with the highest interest rate. Therefore, I was then charged interest on the remaining balance transfer amount. I called Chase on XX/XX/XXXX ( today ) and spoke with 3 different representatives that told me that I was misinformed. Chase payments above the minimum balance are always applied to the balance with the highest interest. Since the balance transfer amount at the time of the payment I made on XX/XX/XXXX was still a 0 % balance, the balance was applied to my highest balance. The last representative I spoke with today, XX/XX/XXXX, did agree to credit me for the interest I was charged on the remaining balance transfer amount, but she said she could not correct my account to allocate the payment I made by phone on XX/XX/XXXX to fully pay off the balance transfer amount because that was not their policy. Essentially, under their policy, I have no rights on where I want my payments to be allocated in order to avoid interest fees or charges. If I had known and understood their policy, I would not have continued to use their credit card until my balance transfer had been paid in full. Under their policy, no one that continues to use their credit card, will ever be able to pay off a balance transfer amount if they continue to use the card to purchase items because the highest amount of any payment during the promotional period will always be applied to the balance with the highest interest, which is not the promotional balance since that balance is 0 % during the promotional period. I STRONGLY feel this is fraudulant practice on the side of this card, and if this sadly does not meet the legal definition of fraud by a credit card company, this is absolutely bad and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Today I went online to get my FREE copy of the 3 credit reports at XXXX. I got XXXX, I got XXXX. As I leaving XXXX, I clicked button to return to annualcreditreport to access my 3rd report ( from EQUIFAX ). Well your stupid system had an error code and wouldn't return me. 

I then typed in XXXX to get my EQUIFAX report and it's saying it can't, I now have to pay!!!! 

Your system created the error message and prevented me getting to the annualcreditreport page to access this 3rd report. Sadly, again this is typical government incompetence screwing the working class yet again. 

And by the way, your website also indicates that " During these times of COVID, accessing your credit is important. That's why Equifax, XXXX, and XXXX  are now offering free weekly online reports through XX/XX/2021. '' I WANT MY EQUIFAX REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX Credit Card is charging interest on the full amount owed at the end of the month. Even if you pay off the balance. For example : Balance is {$3000.00} to start Added {$4000.00} during the month Paid off {$7000.00}. 
Chase charged me interest on the full {$7000.00} even though it was NOT carried over to another month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/20 made a purchase of foodstuff at XXXX XXXX of XXXX and the goods were old and inedible. 

Merchant refused to exchange or make good, called the credit card, and was met with a refusal, as the charge was temporary, however they said they will follow up. 

Have tried several times contacting credit card to dispute charges, after being on hold for the " Dispute Dept '' calls get disconnected ... ..kind of a conspiracy. 

Disputing {$79.00} which came on statement at end of XX/XX/XXXX. 

Another issue is the reward program. 

According their schedule is basic rewards for all charges, double rewards for supermarkets and similar, and triple rewards for any dining facilities. 

In the past year they have failed miserably to post properly, their internal investigation is not existent, although they may say, that they will investigate and send a XXXX sheet, its a big bluff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I was never sent any statement or updates in regard to a debt with the company Carter- Young XXXX XXXX . I was told I would receive a statement with final balance to ensure I was aware to make the last payment owed. Called the company to inquiry and was unable to obtain balance information. After seeing the report of a collection for this company I called to pay the debt and informed the representative I never received a balance before now and asked for them to verify how i was informed prior to the collection. They were unable to provide proof and stated with the balance paid they would remove the collection from my credit report ( XXXX, XXXX  and XXXX ). At this point collection has been paid in full and they have not removed the collection from the 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion file number : XXXX Date : XX/XX/2021 has XXXX XXXX showing a balance and there is no balance owed to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: NY

Complaint narrative:
I don't owe this debt. Portfolio Recovery is attempting to collect on a debt that is not owed to them. They are continually harassing 's me asking me foe money after I all ready requested the cease all contact. I am in the process of filing a law suit in regards to this matter. They have yet to prove or send any validation that I owe this debt and it is negatively effecting my credit rating. Their information is false and misleading

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I was applying for credit and needed to lift security freezes that I have in place with the three credit reporting bureaus. 

In several minutes and with the few clicks of the mouse, I was able to successfully lift freezes at XXXX  and XXXX. However, I was not able to do so with Experian. 

After submitting my information along with a unique PIN identifier, I received notification that Experian is " unable to honor my request based on the information provided '' and that I needed to submit in writing via mail a copy of this notification from Experian along with additional paper copies of a government ID, utility bill, and Social Security card. 

This is a difficult request to fulfill in the era of COVID as I, like many, do not have easy access to a printer. Furthermore, Experian did not provide an email address through which I could submit copies of the required information. One can apply for credit from a bank completely electronically ; however the same can not be said about unfreezing your credit with Experian. 

Moreover, Experian 's customer service hotline pushes users to automated prompts and does not give one the option the speak with an actual human being about this problem.

I would like Experian to have an easy way to interact with actual people on their customer service hotline ( as opposed to automated prompts ) to talk to someone about unfreezing my credit by means other than paper mail during a time when many people simply do not or can not easily get access to paper documents. 

Thank you.

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 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
never recieved anything from them my phone emails and ssn was taking control of i didnt have acess

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, use the services of the Regional Finance Corporation, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX. I have been asking for loans since approximately XXXX, they have lent me {$7000.00} until XX/XX/XXXX and I have been paying monthly amounts on time. different Since I started with them I have refinanced approximately 3 times, with the loans to date we have a balance of {$12000.00}, and what they have lent us, the balance is still the same. Rebreaking my contracts and I paid them double or triple what they have lent us, I also realized that the interest is always higher than when I started with them, I have contracts every time I have asked for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: DISCOVER BANK
State: PA

Complaint narrative:
I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX  of the company requesting they refund Discover card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed my Student loans were not reporting a correct status. The accounts under dispute should have been at a current status due to trump executive order student loan forbearance my US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX loans should not be reported as in collections. This is an error under 15 U.S.C. 1681-1681x 609 FCRA and FDCPA.

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 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.

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