vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX of XXXX I recieved a letter from the IRS stating that we owe {$3400.00} for taxes due to a 1099-C from Chase Bank USA NA alledgedly dated XX/XX/XXXX. The debt was for XXXX that Chase states to the IRS they wrote off. Chase never provided me with any docutation to support the write nor had I had contact w/Chase Bank USA NA for several years prior. In addition this debt they wrote off was  NEVER listed on my Credit Report. I never recieved a certified letter from Chase bank for this 1099-C, they simply sent it to the IRS and not myself. In addition since this was NO LONGER on my credit report there would be no way for me to know that this debt still exisisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
For 7 years, I have had credit card accounts with Barclays that earns frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Barclays, as well as submitting proof of my business through requested documents. I used the credit cards daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.

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 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I settled this debt a long time ago, and the agent I spoke to assured me the account would be deleted from my credit report. When I got my mortgage pulled in XXXX I discovered the account still reporting. I sent Penn Credit a letter asking them to remove the account as promised. That letter was returned to me. I do not understand, I found their information on my credit report. I believe they have to report 100 % factual data to the credit bureaus. They have misrepresented the truth, updated their account on my credit, which caused my credit score to get damaged, when they promised to DELETE the account, and have reported incorrect or unverified information to the credit bureaus! 

Their address, reported to XXXX   as recently as XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Last year, I opened a credit card with Barclays that earns frequent flyer miles from XXXX XXXX. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for this credit card in my own name and was vetted through identity checks and credit reports by Barclays. I used the credit card daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.

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 2020-03-02 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: NY

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-02 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: CA

Complaint narrative:
On XX/XX/2020 I used the Chase online Bill Pay service to pay my XXXX XXXX XXXX XXXX XXXX bill as I do every month. The payment amount of {$210.00} was deducted from my account on that day. Here is a copy of the line item in my online account : XX/XX/2020 Online Payment XXXX To XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bill payment {$210.00} On XX/XX/2020 I received email from XXXXXXXX XXXX XXXX  stating my XXXX payment was still unpaid. When I contacted XXXX  their first question was WHO IS YOUR BANK? When I said it was CHASE, they said that they have had a problem getting payments from CHASE since XXXX and that Chase has been aware of the problem but had NOT notified any customers about it. XXXX  gave me the phone number XXXX Option 2, which they said Chase gave them specifically for this issue. I called that number and the first person I spoke with, XXXX, said I needed to call a different number, and than she gave me the exact same number. When I said that was the number I just called, she said NO it was not! She actually told me I did not know what number i called. However, after hanging up I rechecked the number and it was the same! Next she said i would need to talk to a supervisor and put me on hold for almost 10 minutes, then connected me to XXXX, who told me they had made the payment. I asked her if she was saying that XXXX was wrong when they said that MANY payments from CHASE had been mis-routed. She denied that was what she was saying and then went on with some type of double speak about how they did, but did not make my payment. I was never able to get a answer to when XXXX would show my payment was made or if Chase was going to do anything about the problem. So uncaring and unhelpful. BEWARE! Please make Chase obey the laws and properly manage their customers money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

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 2020-03-02 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: NY

Complaint narrative:
These are not my accounts

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 2020-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Good morning, On or about XX/XX/2020 I called Ally auto to request a two month payment deferment. I was informed that I needed to make a payment of {$350.00} for the extension. That payment was made on XX/XX/2020 and posted to my account on XX/XX/XXXX. When I go online to my account it now shows me with a past due of over {$800.00}. There was no past due amount prior to making the payment for deferment. 
I have called the Ally call center number on average twice a week for the last month and 1/2 to see why the account does not show the deferment. Each and every time the call center rep informs me that the deferment department is behind and they will send a message requesting an update. Every time I have called back I am told sorry we still don't any information and we will submit another request. I have asked to be transferred to a US call center for Ally on three separate occasions and have been disconnected each time. The last time this occurred was on XX/XX/2020 at XXXX pst. On Thursday XX/XX/2020 I received a letter from Ally stating that my deferment was approved but I am still showing delinquent on the account. 
I am now receiving calls from Ally financial collections asking when the account will be paid an am showing past 30 days late on my credit 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 explanation
Consumer complaint received 2020-03-02 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: NY

Complaint narrative:
I'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-02 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: NY

Complaint narrative:
I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the police.

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX A SCAM ARTIST CONVINCED ME HE HAD PURCHASED PROPERTY XXXX XXXX XXXX AND I MOVED OUT XX/XX/XXXX BUT HE LIED. HE AND MY NAME ARE ON TITLE. THE FEDERAL TRADE COMMISSION CONTACTED ME FROM FTC # XXXX XX/XX/XXXX AND INSTRUCTED ME TO CALL CHASE AND ASK THEM " WHAT THEY WILL DO FOR ME '' AND TWO WOMEN SAID MR. XXXX WE APOLOGIZE FOR WHAT XXXX XXXX DID TO YOU AND ARE DOING A LIEN RELEASE ON THIS PROPERTY FOR YOU AND CONGRADULATIONS FOR A PAID UP LOAN. 

ARE MY XXXX LOAN SAFE OR HAVE XXXX XXXX STOLE IT? 

THEY SAID THEY WILL NOT RELEASE INFORMATION TO A THIRD PARTY WITHOUT MY AUTHORIZATION. THEY HAVE INFORMED ME THAT THAT HOUSE IS YOURS. 

I SPOKE TO XXXX XXXX OF THEIR MORTGAGE DEPARTMENT AND SHE SAID THIS IS FRAUD, THAT WHAT XXXX XXXX REGISTERED XX/XX/XXXX IS FRAUD AND PROVIDED ME WITH CASE XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX : XXXX XXXX account ( Comenity Bank ). 

XXXX XXXX account ( Comenity Bank ). 

When I spoke to the representative XXXX XXXX in collections, it was determined they had the wrong phone numbers and no email address he forwarded emails for corrections. XXXX sent me this email confirmation because he is resending the delinquencies on my credit bureau for XXXX - XX/XX/XXXX, I am now working to get a mortgage for my dad 's house because my mom passed away and dad had to go to a XXXX home and I have guardianship because he has XXXX 

I called today XX/XX/XXXX and was not able to get this removed, as the bank said they saw notes but could not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.

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 2020-03-02 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I paid off a vehicle loan with Ally Auto. They received a certified check on Tuesday, XX/XX/2020. After they received the check they withdrew another payment from my checking account for {$560.00} because they did not process the payoff for 7 days, on XX/XX/2020. I called to ask about the withdrawal of the payment after they received certified funds for the payoff. The Customer Service rep let me know that they would continue to withdraw funds from my account until I turned off automatic payments online. I stayed on the phone with them while I tried to find that option. However, because the loan was already paid off, there was no longer an online option to turn it off. They said they could not help me with that and there was no other way to turn it off. I did ask them to find a way to turn it off if the online option was not available and they did have it turned off before the next payment. 
I called again on XX/XX/XXXX to ask when they would mail the over payment back to me that was taken out after payoff. The CS Rep stated that it would take 18 business days from the day they determined it was paid off ( XX/XX/XXXX ) to mail a check back to me. I called again on XX/XX/XXXX to ask why I still hadn't received a check. They said they didn't have a note stating that it should be sent back to me, so I asked them again to do so and that it had now been 29 business days since they withdrew the extra payment. They said they would notate the file and that I would have a check in 5-7 days and then before we hung up they said no, it would be 7-10 business days. 
I am filing this complaint because it has now been 6 weeks since they took out the payment, after I paid off the loan and I still do not have the over payment back.

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 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The creditors LVNV FundingLLC, are harassing me about an extremely old debt which I do not owe, the debt is in the amount of {$3800.00} from XXXX XXXX XXXXXXXX. LVNV has not provided sufficient information for me to identify the debt. I never signed any agreement with LVNV Funding LLC. I do not owe this debt and it is over the New Jersey statute of limitations, and even if I did owe it it's passed the statute to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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 — Problem with personal statement of dispute
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.

Company response to consumer: Closed with explanation