vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This very important and there is so much more to say but I don't know how or what to do. On XX/XX/XXXX I was the victim of identity and fraud. The thieves filed a claim with my bank, Chase, for the last three months of car payments that I had made, I have documentation, and the bank placed a credit for the amount of {$1100.00}, while it was happening I was made aware that fraud was happening to my account, I called Chase and alerted they're security department of what was / had happened. They tried to stop it but the crooks had already taken the money. Which caused an over draft for the money. I received a letter from Chase stating that they had finished their investigation and had removed the credit, as they should have. And on the date stated in the letter, the XX/XX/XXXX, I thought that they would have credited back to my car loan company the money. They had not released the money. I started getting phone calls from the finance company, XXXX XXXX XXXX XXXX telling me that I was three months behind on my payments. I explained that I was the one who informed them that they and I were the victims of fraud and that I had filled reports with both the FBI and XXXX  Police department for the incident and that Chase was supposed to release the money around the 19 th. They didn't release the money. I started getting phone calls from the finance company, each one meaner then the prior call. I kept explaining, and I got no where. Chase didn't give me a reason why the money wasn't released. I have been in communication with the finance company the whole time this is happening. If I had missed a call from XXXX XXXX XXXX XXXX, I always called back. On Monday I had two missed calls, one was unknown number and one was anonymous. Only one left a voicemail and I couldn't understand what they said. Tuesday morning at XXXX XXXX I went out to my car and it was gone. I called XXXX XXXX XXXX XXXX and found that they had repossessed my car. When I asked why, again, I'm supposed to be behind by 3 months. I asked why wasn't I contacted and was told that I ignored their phone calls. That's when I remembered the calls mentioned above. I replayed the voicemail, I listened to it six different times before I could figure out who and what they said, very low and fast, " XXXX XXXX XXXX. '' That was all. I saved it. I spent the next several hours on the phone with Chase and XXXX XXXX XXXX XXXX and that is when I finally found someone with Chase to tell me that they didn't intend to release the money until the XX/XX/XXXX When I asked why it was because they could, they said that the law gave them 45 days before they had to release the funds. When I told them that they had repossessed my car the only thing that they said was sorry. Meanwhile XXXX XXXX XXXX XXXX is reporting that they repossessed my car with the credit bureaus for late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
XXXX XXXX denied an auto loan due to information from Sagestream. Says score is XXXX, when its actually over 830. received a letter in mail stating denial. who is XXXX? why do they supply scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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:
Information belongs to someone else

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 2019-10-19 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:
Information belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: U.S. BANCORP
State: TX

Complaint narrative:
I have contacted the mortgage company to inform them of inaccurate reporting of payments and loan balance. I have made several attempts to get the mortgage company to make the correction from XX/XX/XXXX to XX/XX/2019. The mortgage company did confirm payment was paid on time and the correct loan balance, however they will not make the correction with the Credit Reporting Agencies. I disputed the items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 with credit reporting agencies. The Credit reporting agencies stated that information was verified is accurate will not update the credit report with most accurate information. No supporting evidence of the balance and payment history was provided to support the decision.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
After nearly 2 years of paying off my Capital One bill on time and in full, in XX/XX/XXXX/XX/XX/2019 they changed my due date from the XXXX every month to the XXXX. Despite the change, I made my next payment, as schedule on time and in full on XX/XX/XXXX. 

A couple weeks later, while reviewing my statement I noticed a {$25.00} late fee because they didn't post my payment until XX/XX/XXXX. I called customer service and they agreed it was their fault and removed the {$25.00} late fee. However, since then I've noticed interest charges of {$67.00} and {$21.00} dollars, despite continuing to pay on time and in full. When I called customer service to dispute the interest, I was told that the " late '' payment was my fault and I would owe the nearly {$90.00} and that I should just pay them through their mobile app to avoid future charges. So basically, Capital One is charging me {$90.00} in erroneous interest because of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19 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:
I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes Equifax has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
When I first purchased the vehicle the dealer had said I would be able to get lower interest within a few months. Then I realized that I was paying 10 % interest DAILY. which is insane. my interest charges are 10 % which I believed would be the monthly interest but it turns out its basically a 10 % interest daily. Im just XXXX years old with a XXXX loan at 10 % which to me is ridiculous. I wanted to see If I can get any sort of help because I'm only stressing myself out not only with this type of payment but also with college added on. Please let me know what I can do, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial
State: MI

Complaint narrative:
Spoke to them on the phone. Expkained that I didnt appky for the loan. Was threatened with jail time and that my bank account would be seized

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There was an unauthorized charge on my credit card for {$540.00} with XXXX and I was told to wait 90 days for the credit to be placed back on my card.

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 2019-10-19 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:
Account is reporting that is not 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 2019-10-19 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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Commonwealth Financial continues to report an account in the amount of {$680.00} and it should be removed immediately as they are in direct violations of FCRA rules and regulations. I have contacted this company for validation of this account and I received no information from the company within the allotted period of time. The company has placed inaccurate information on my credit reports and defacing my credit worthiness. The company stated that they updated information after I disputed information with the three major credit bureaus on the account but all information remains the same. Commonwealth financial should be held accountable for their direct violation of credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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:
Was removed and now showing again.

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 2019-10-19 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Sallie Mae has lied about they way my payments were allocated. I was told that forbearance is what I needed instead of a income driven plan. 

Several of my income driven plans were denied and sallie Mae gave me false information in reference to payment plans. 

Numerous payment were made and never applied to my loan. 

I have made several calls in reference to payment history and was told the information was not available. 

I am currently on a loan forgiveness program going back to XX/XX/2007, I believe I have made the 120 payments. 

Sallie Mae has sold my loans to navient and then to XXXX XXXX, I believe the interest and fees were falsely added to my loans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: OR

Complaint narrative:
Both Equifax and XXXX are not providing a credit report on XXXX XXXX  's response is : " We're sorry A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXXt Request form. '' Equifax 's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an Equifax Free XXXX XXXX XXXX   over the Internet. 
Request by Mail To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX Request Service XXXX  XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
Aspen National Collection is a third party debt collector that have called my phone numerous times until I asked them to stop harassing me for money that I don't own to them. I owe {$950.00} to the original party since XX/XX/2019 of this year for my maintenance fees. I am late on my payment because of hardship and the original party hired this company to collect the payment. Aspen have since reported an inflated outstanding debt totaling {$1300.00} to the credit bureaus, including their debt collection fee of {$390.00}. They are reporting to the credit bureaus implying that my account has been either been sold or taken over by them ( Aspen ). They are charging me as if they are a legal/law firm hired. They are blocking me from continued business with the original party since I have a tax bill with the original party due soon. I will not be able to pay the tax bill directly since my account has been tied with Aspen and  their fees. It occurs to be a unjust cycle and their leverage is to continue to charge inflated fees until it's paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
in XX/XX/2019 my XXXX XXXX card was compromised by BLUEBIRD.COM with unotherize MONEY TRANSFERS of the following amounts XX/XX/XXXX {$20.00} & XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} & XXXX TOTALING {$800.00} in talking to XXXX XXXX offices for more the 12 hours of being on hold and transfer to different departments they told me XXXX will not give back my money. but yet the could not prove who made any of these deductions. 
I live on a XXXX monthly SS check and now I am afraid to let my money go on this card. 
Please help me I need my XXXX back to pay my house bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I was contacted by an American Express ( AMEX ) telemarketer in XX/XX/XXXX/XX/XX/2018 with a promotional offer for a credit card for my business 's. I was offered a large amount of reward points and a low interest option. 
I was offered to open up multiple accounts accompanied with more incentive options. I was encouraged to add employee cards to my AMEX account For this promotion there was no credit check. No spending limit. I was simply told that I had to pay off the balance I spent every month. 
The card was supposed to give me working capital that my business needed to survive. 
AMEX sold me on what was supposed to be a great opportunity. 
Everything was going as planned and then out of nowhere my account was put on hold. None of my credit cards would work. I called AMEX and they wouldn't give me a reason why. They just said in order to keep the account open I had to provide all my tax return records. I asked why and they said that is what was needed. I opened the account because I was not interested in getting my credit and records pulled. They baited and switched me. 
I never missed a payment. I paid the entire balance off every month as agreed. I did everything as agreed. 
So my Accounts and credit cards were cancelled. I lost all my rewards points. 
I was never given my original promised promotional offer of rewards points. 
I was left with a large balance at 20.24 %. 
AMEX conned me into signing up for their program. American Express deceived me. Then cancelled my accounts. Charged thousands of dollars in interest. I was put in a position where if I paid off the large balance, I would not have money to survive. Normally, I would pay off the balance and then I could use the AMEX card to spend with. 
I tried multiple times get the fixed but AMEX would not be doing anything until they got my tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: WV

Complaint narrative:
I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.

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 2019-10-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Both XXXX  and Experian are not providing a credit report on XXXX Experian 's response is : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX XXXX. '' XXXX  's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet. 
Request by Mail To request your Free XXXX Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please 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 non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
doing busness with direct express field a dispute with them way back in XX/XX/XXXX in the amount of {$87.00} usd i saw an ad on XXXX for a scooter from XXXX XXXX i gave direct express all the paperwork and emails from her saying that i tried to cancel six times direct express refuse to help me they would not help what due i due just want XXXX bucks back

Company response to consumer: Closed with explanation