vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I REPORTED FRAUD ON MY CHASE VISA CARD AFTER I RECIEVED MY STATEMENTS AND SAW A CHARGE THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THIS COMPANY IS XXXX XXXX XXXX   THAT CHARGED MY ACCOUNT FOR XXXX. I CALLED CHASE VISA AND SPOKE TO A REP WHO FILED A FRAUD COMPLAINT AND SAID THAT I WOULD GET MY CREDIT BACK ON MY CARD, WELL CHASE VISA SENT ME A LETTER SAYING THAT THE CHARGE WAS TOO OLD AND THEY WERE NOT GOING TO GIVE ME THE CREDIT BECAUSE THE CHARGE WAS FROM XX/XX/2010. I REPORTED THIS CHARGE BACK WHEN I SAW IT ON MY STATEMENTS AND NOTHING WAS DONE SO I REPORTED IT AGAIN.. THIS WAS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION.. I LIVE ON A FIXED INCOME AND I CANT AFFORD TO HAVE MONEY TAKEN FROM ME FOR SOMETHING I DID NOT CHARGE MYSELF.. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OPES ADVISORS, INC.
State: TN

Complaint narrative:
Our house sold for {$330000.00}. The appraisal came back at {$300000.00} on XX/XX/XXXX. The comps were not even close to identical with our house. The lender, both Realtors, buyers, and another lender all said this was a poor appraisal. We put together an incredible list of comps, add-ons, and even a recent appraisal of the house next door ( smaller and older, appraised for {$340000.00} ). We requested that the appraisal be raised, and were told the appraiser was on vacation, so we had to wait a week and a half. Close date had to be moved from XX/XX/XXXX to XX/XX/XXXX. When the appraiser came back, he refused to budge on the appraisal. We requested it be thrown out and have a new appraisal, which was denied as well. We now have had to push back the close date on our new home 9 hours away, and living out of a moving truck with a XXXX month old baby and XXXX  wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
I have tried to contact the company Capital Credit and Collections. I keep getting the run around. I have left several messages and no one has return my call. I have health insurance and want to know why I have the bill and why its on my credit report with no contact from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I received my credit report from XXXX  this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then. 
From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX  this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Cash Central  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and caXXXX warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is reporting my loan to all 3 credit bureaus as Closed Charge-Off with a balance of {$11000.00}. I paid my account in full and on time from XX/XX/2013 until the end ... also the # of months is showing 81 my loan was for 60 months not 81.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: IN

Complaint narrative:
I received billing statement from GreenSky yesterday XX/XX/2018, and realized there must have been some misunderstanding between your company and the contract made by XXXX XXXX XXXX, Waterproofing business. Also, I believe this company has been misinformed by Mr. XXXX XXXX, the sales person/inspector of Waterproofing company, XXXX XXXX, XXXX. Mr. XXXX came to my home XX/XX/XXXX, and offered me of a financing opportunities while he was explaining about the contract for waterproofing he wanted me to sign its contract with his company. Mr. XXXX told me that the contract with his company and financing payment would be in effect on the date XXXX XXXX companies complete their work. The bill that I received XX/XX/XXXX shown as if I purchased {$3400.00} XX/XX/2018 from XXXX XXXX, and charged activation fee of {$39.00} XX/XX/XXXX, and Finance charge of {$15.00} XX/XX/2018, which totaling {$3500.00}, and due date is XX/XX/2018. The interest dare shows 6.99 %, and daily Percentage Rate is 0.01915 %. The also bill shows phone number XXXX and email address XXXX. However, I can not reach GreenSky either ways. The company 's payment address is GreenSky XXXX XXXX XXXX NC XXXX. My husband is XXXX, and I am his full power of attorney, and so all contact must be made through me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am presently working with a debt consolidation company to resolve my debt with XXXX XXXX. For over a month, I continue to receive up to 20 calls per day, and family members do as well. Now, texts are being sent to my family members with my information. I have communicated to XXXX several times to only contact me, but this has not been respected. My family members continue to be harassed, and my place of employment was contacted as well, which I know is not allowed. This is unacceptable to me. I have now requested that ALL calls cease immediately. I have not been successful resolving this issue with XXXX XXXX, and I am aware that the tactics they are using are not allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
I made a purchase XX/XX/2018 at XXXX . The order had problems. I used return label provided and returned about XX/XX/XXXX XXXX 2018. I never received the credit so I disputed the charges since items were returned. XX/XX/2018 I files a complaint and Ms. XXXX XXXX of XXXX  exec office contacted me by e-mail. I replied several times but still no credit issued. I e-mailed in XXXX and XXXX. I called XXXX maybe XXXX and XX/XX/XXXX and XX/XX/XXXX. She finally posted one credit but all of the late fee remained. I have late fee and negative report on my credit. XXXX told me I could pay and wait for refund. Why should I pay what I don't owe? I won't and I didn't. I received a bill for {$130.00} late fee on top of late fee.

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 2018-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX just reported a {$760.00} collection account on my credit report. I have no idea what this is. According to the Fair Debt Collection Practices Act, they are required to provide me with a 30-day notice to dispute the debt, but I never received such a notice. They just reported it, without even contacting me. This is a violation of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I live and work in the XXXX XXXX area. 

On XX/XX/XXXX, I was notified by Citi ( my credit card issuer ) s fraud department that someone used my card to purchase a laptop for {$680.00} at the Best Buy in XXXX, XXXX ( address : XXXX XXXX XXXX XXXX ). The credit card question ends in XXXX. Here 's the timeline : At XXXX XXXX ET, I received an email from Best Buy confirming the fraudulent order. 

At XXXX XXXX ET, I received a text message alert from Citi asking me if I made a purchase of {$680.00} at Best Buy. 

At XXXX XXXX ET, I replied to Citi that I did not authorize the charge ( screenshot attached ). 

At XXXX XXXX  ET, I received an email from Best Buy confirming that the product has been picked up. 

Since the perpetrator does not have my ID, she put in her name in addition to mine as the person who would pick up the order in store. I have attached copies of the two emails that contain the perpetrator 's name, XXXX XXXX. 

I received a document from Citi ( file number : XXXX ; attached ). Page 4 of the Citi document states that the purchase was conducted by IP address XXXX. This is a XXXX XXXX, XXXX   address. 

I have also attached evidence showing that I was physically in XXXX XXXX XXXX on XX/XX/XXXX. 

The evidence is abundant that I did not authorize this purchase. I was physically in XXXX  on XX/XX/XXXX, not in XXXX XXXX. I do not know anyone in XXXX XXXX, nor have I ever been there. 

However, on XX/XX/XXXX I received a letter from Citi stating that I am responsible for the FRAUDULENT purchase and billed me for {$680.00}. The letter is attached. 

This is an outrageous conclusion. I am requesting that the {$680.00} charge on my credit be reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
this is a weird reason to use cfpb i can think of nothing else so i can recover my time and well being already lost. i am a PLAINTIFF who is trying to get some funds from a garnished account. I have tried everything and need help cutting thru RED TAPE. the social security nnumber of defendant is XXXX. I mailed a request for funds, on XXXX had branch in XXXX nj do it or asked them tofax request XXXX since legal order processing told me to tell the branch to fax it to speed it up STILL NOTHING i faxed a request on XXXX to get some of the money to which i am entitled as per legal order nothing has resulted in anything. They still to this minute on XXXX HAVE RECEIVED NOTHING SO I CAN GET MY MONEY AND MAINTAIN THE HOLD ON CUSTOMERS ACCOUNT WHAT IS WRONG HERE? I AM DONE BEING SENT ONA WILD GOOSE CHASE. POSSIBLY THE BRANCH IN nj DID NOT FAX IT ON XXXX AS I ASKED BOTTOM LINE ITS BEEN SENT 3 TIMES I NEED THE MONEY TO WHICH I AM ENTITLED AS PER COURT ORDER HELP HELP HELP 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 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian ARG Inc.
State: FL

Complaint narrative:
My XXXX account went delinquent back in XX/XX/XXXX-XX/XX/XXXX, I settled with a mediation company back in XX/XX/XXXX. Today I received a call from XXXX XXXX XXXX, of which they did not disclose where they were calling from in the aggressive voicemail of which stated my name and the name of the caller then followed by contacting you from the process division, I received an order from you, it looks like two pending charges were filed against you, now unfortunately because I'm unable to reach you by phone I will be actively pursuing you at either in your residential place up on that XXXX XXXX you have the right to contact the client to resolve your case voluntarily. Contacted XXXX directly they had no idea who this company was. They could not prove the original account number, when I asked for the information to contact their supposed client they told me to XXXX XXXX telephone number. They want me to email proof of the paid balance of which I have, but I do not feel comfortable emailing any of my information to them if they cant even prove to me who their client is.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19 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: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation
State: NY

Complaint narrative:
In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. 

When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. 

I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a XXXX XXXX on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a conventional 30 year fixed rate loan with Chase. Not high risk. They refuse to cancel PMI at 80 % stating that I need to be at 75 % due to XXXX XXXX guidelines. The loan is from summer 2015. My understanding is the homeowners protection act overrides any lender 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Experian. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings
State: NC

Complaint narrative:
To whom it may concern, I have been enrolled at XXXX  University at the XXXX XXXX XXXX for approximately a year in their XXXX XXXX XXXX XXXX. I would have been done with my classes in XX/XX/2019. At our first day of the summer session we got told about our campus closing.Not only have the students not been told anything or guided in a direction to help them succeed, but the faculty has also been left in the dark. Some of them not even knowing when their last day will be or if they will get paid a severance. We were told that XXXX  University did not file bankruptcy but got a letter in the mail stating that XXXX did. Our biggest concerns are that some students are 20,000-30,000 dollars in debt now due to the classes we have taken at XXXX , but most of them won't transfer to other colleges. We don't want to be in debt and have to transfer and get in bigger debt retaking the classes that we have already taken because they won't transfer. We don't know what we need to do to get our loans forgiven or see what our next step is. We are hoping that filing this complaint will give us some direction on what we need to do to get our loans forgiven. 

Sincerely, Frustrated XXXX student

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 I placed an international wire with my bank XXXX in the amount of XXXX with JP Morgan Chase being the middle man with XXXX XXXX In the XXXX to receive for one of there customers the money was never received to the customer and XXXX has sent 3 requests asking for the money to be return or an answer from XXXX to provide us answer where the money has gone and still NO responds from them .. I have called JP Morgan Chase for Answer No once can provide me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
The company left a derogatory remark on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation