vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank has mishandled and ignored evidence related to a fraud investigation related to a fraudulent charge under my name on XX/XX/2021. 

I provided proof that this was a case of identity theft. The purchaser of the ticket WENT ON on the flight from XXXX to XXXX. Chase has ignored this point and did not address it at all when I provided evidence I could not have been on that flight since I was in XXXX  for the entire duration of that day. 

Chase alleges that since the booking occurred with my address and phone number that I made the purchase and completely ignored the fact that the person went on the flight when I could not. Whoever has the means to steal my credit card information would easily have knowledge of my name, address and email ( e.g., any purchase anybody makes online needs to provide all of this information ). 


Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to on-flight Wifi purchases. Chase was able to cancel the wifi purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. 

When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. According to XXXX XXXX, the person who went on the flight had my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter ( dated XX/XX/2021 ) to a 3 year old address that is no longer on my Equifax credit profile. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. This is the 2nd letter I've received from Equifax that they've mailed to addresses at which I haven't lived in several years. I have attached a screenshot of the letter for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NH

Complaint narrative:
I am one of the many victims affected by PNC Bank 's acquisition of BBVA and subsequent mistreatment of customers.

PNC informed BBVA customers that their BBVA debit cards would continue to work through the transition period, until they activated their new debit cards. This was communicated in writing on numerous occasions. As of XX/XX/XXXX, their webpage on the acquisition states, under the FAQ heading " My debit card should have arrived before XX/XX/XXXX and it has not, what should I do? '' the answer " Remember, you can still use your BBVA debit card. '' This is false, however, as numerous consumers have reported. ( https : //www.pnc.com/en/about-pnc/topics/acquisition-update.html ) PNC sent my new debit card to the wrong address. I called them to rectify this situation and spoke to XXXX. I provided my SSN and was then asked for the last 5 digits of my PNC debit card to verify my identity. Needless to say, I was unable to do so. I was then passed off to XXXX in Retail Support, who asked me for a phone number to verify my identity, and then informed me that this phone number would not work for reasons that were unclear to me- it is a personal cell phone number which was registered with BBVA prior to the acquisition.

She then asked me to verify prior addresses in the public record. I named 2 of my most recent addresses, and she asked me for another. I told her I would log into my online shopping account to get her a number of prior addresses ( I frequently move for work ). Several seconds later, she abruptly ended the interaction and passed me back to XXXX, who asked me for the last 5 digits of my BBVA debit card before informing me that she couldn't help me on the phone. 

I then spoke to her supervisor XXXX who was rude and confrontational and insisted that I needed to go to a PNC branch, despite the fact that there is not a single branch in my state. I asked him how I could close my account if this proves inconvenient, and he informed me that I would need to visit a branch in person. 

He then provided me with a mailing address to send several forms of photocopied ID to in order to request a new debit card, saying there was nothing else they could do for me over the phone, as my account had been flagged. 

Only after I initiated a complaint via PNC 's internal process did he notify me that I could close my account by mail as well. 

I could not recommend PNC to anyone, this transition has been a disaster, consumers have been lied to, and customer service is no help at all. 

Case numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
There are several accounts on my credit report that do not belong to me. Making these account fraudulent and needing to be removed from my credit report. I have never done or been associated with these companies. Being that I have never been associated with them it make it incorrect information. 

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
The student loans are all suppose to be in forbearance tillXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Georgia Student Finance Authority
State: CO

Complaint narrative:
I attended XXXX from XXXX graduating with a BS in Web Development and XXXX XXXX. Shortly after graduating I was notified via mail that I was a student effected by XXXX 's false advertisement by the FTC. The false advertisement that XXXX publicly admitted to. From mid 2014- present I have receive deferments and forbearance but no permanent resolution to the issue. I called GSFC/GSFA/GHEAC on numerous occasions and spoke to a person in legal that said that there was nothing that can be done about the loans. He stated he did not have adequate information, even though I sent the article that clearly states that it was a valid lawsuit and to seek further action for forgiveness. From 2014 to present the loans have accrued interest and I have had no resolution as to why my loans have not been forgiven or cancelled when the information and resolution options included in the lawsuit were provided and the documents were made public. I have made several good faith attempts to have this resolved by GSFC/GSFA/GHEAC with no resolution. The lawsuit by the FTC was resolved and XXXX admitted their guilt and GSFC/GSFA/GHEAC has caused major financial damage affecting my family and I for the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During XX/XX/2021 was shopping on Amazon, normally use a debt card was asked if I would like to try an Amazon Chase credit card. I agreed and filled out the necessary forms. According to the agreement if I chose not to enroll in electronic billing I was to do nothing and a paper bill would be sent to me. 
Items purchased were delivered with no issue. 
About six weeks later I had still not received a card or a bill however I did get an electronic message stating my account was past due and late charges were pending. Upon contacting Chase I explained the issue of not receiving a statement and confirmed that they had my correct mailing address. After explaining the situation with no less than six individuals I was finally able to get the account closed and was told I would receive a statement with past due charges dropped. I did receive a statement dated XX/XX/XXXX with {$28.00} in fees and {$9.00} in interest. The total of the statement was in the amount of {$580.00} which was paid in full at that time by check that cleared our bank on XX/XX/2021. 
On XX/XX/2021 I discovered my credit rating had dropped from XXXX. Chase had said that I was delinquent. The same day I contacted Chase again, After Talking to XXXX XXXX, XXXX at Chase, XXXX with the fraud team and finally XXXX. I was told Amazon was Billing Amazon Prime on this account. I confirmed with XXXX that Chase has my correct mailing address when she told me I was set up for electronic billing. I never wanted, asked or applied for electronic billing and XXXX told me I would receive a paper bill with reduced but not cleared late charges which I agreed to pay. To date I have not received any such bill but have been hit on my credit report again .In total my credit report has dropped from XXXX to XXXX due to Chase XXXX 
All I want is a statement in order to pay what I owe. I do not feel I should be forced to pay late charges on a bill or card for that matter that I never received. Also Chase should correct the mess they made of my credit repot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 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:
There are several accounts on my credit report that do not belong to me. Making these account fraudulent and needing to be removed from my credit report. I have never done or been associated with these companies. Being that I have never been associated with them it make it incorrect information. 

See attached documents

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 2021-10-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX Bank falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I requested a forbearance on my mortgage with LoanCare and at the time I was 30 days past due. I made the past due payment in XXXX, but my credit report shows I was 30 days past due until XX/XX/XXXX ( See attached image ). Every time you call LoanCare you hear the forbearance recording and in that recording it states that " if you are able to bring your account current during the forbearance plan, we will report it as current ''. ( Part of recording is attached. ) When I talked to the LoanCare representative and told her what the recording said, she stated in was miss leading and what it mean, was if you had a missing payment and paid it and the forbearance payments then your account would be current. 

Also, when I tried to log in to my account to get a payment statement to attached, I could not, even though my username and password were correct. When I called them, there were XXXX callers ahead of me in the queue. Unacceptable!

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 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Ive used Affrims lending services several times in the past and have successfully paid off the loans. Recently I went to her firm to purchase a reconditioned XXXX XXXX and keyboard. I used the vendor call XXXX XXXXXXXX. I was approved for the full amount and XXXX  XXXX did not deliver the complete products together in 1 package. I only received the XXXX XXXX but I did not receive the keyboard. XXXX XXXX investigated the problem with XXXX. XXXX claim that it was delivered. I was home on the date that they said it would be delivered because I was expecting it. When I got the email alert I open the door and there was no product. I reached out to the company to let them know did I did not receive it. They opened an investigation with XXXX, however XXXX claim that the package was delivered. We have had several problems with XXXX in the past of claiming they have deliver products in my area, we do not have a high crime area and no problems with theft or stealing packages. The neighbors here are proactive with looking out for each other. 
I took pictures and return the XXXX XXXX because I did not want to deal with this vendor XXXX XXXX. I have receipts showing that it was returned I submitted it to Affirm however I just received a email from Affirms resolution department saying that I am still responsible for the loan. Which is totally absurd. I responded back and sent the confirmation to affirm that XXXX  XXXX received the XXXX XXXX. I do not want Affrim to try to destroy my credit by placing derogatory information on my account failure to pay or delinquent At this point, Affrim is claiming delinquent in a payment. Please respond as soon as possible with this dispute. 
Thank you for you speedy time and attention in addressing this matter. 

XXXX XXXX : XXXX XXXX XXXX UT Phone : XXXX Email : XXXX Corporate Office : XXXX Florida Phone number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: OH

Complaint narrative:
I have file 4 times with the CFPB and the FTC over this account XXXX # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Big issues with Comenity Bank. 
I recently Received a hard credit pull to purchase a home and was informed that my Excellent credit has been dropping because of Several unpaid payments to an old Credit card I have not used in almost 5 months. When Looking into the XXXX XXXX Credit card issue I discovered that After I had paid off the card in full on XX/XX/21 for the full amount of {$220.00} XXXX placed the card away in my safe hand have not used it. After paying off the card in full, Comenity Bank then added on an unknown Financial charge fee of {$4.00} a week later, because they added on a balance they then proceeded to add on Late fees and minimum interest charges without contacting me directly for the next several months. Months later on XX/XX/21 I finally received an email showing a new balance of {$22.00} on my card and my credit score had dropped due to the companies sketchy business practices. I have Statements showing the card was paid in full and And after contacting the number on the card [ XXXX ] and asking for the card to be closed I had to call XXXX times before a woman by the name of XXXX, badge XXXX finally was able to actualy close my card. Now my near-perfect credit score is damaged by this company, and I was charged a fee of {$4.00} just to close the card The bank website of : https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have file 4 times with the CFPB and the FTC over this account COMENITYBANK/VCTRSSEC # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I filed a dispute with NetSpend soon after no less than 5 minutes the closed my account they lied and said they couldn't give provisional credit becaude it was too late but end up giving it to me without my knowledge so today I get a letter saying one my disputed were valid but they put it back on my account which was closed the same day I made the dispute charged me XXXX after I they closed my account I never used any of the money on cards because they closed my account I asked what happened to the dispute money to which the response I owe XXXX dollars they are lying and trying to chest me out my money

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 2021-10-29 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: CA

Complaint narrative:
2 cards of chase from XXXX XXXX XXXX card were stolen in XXXX. I called chase As soon as I saw the charges reported on card. Chase stated that I authorized the purchases. I did not authorize any of the charges. I called chase fir the last 4 months. My card was used my someone else. Chase has not reversed the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE CREDIT INQUIRYS ARE LISTED ON MY CREDIT REPORTS THAT I NEVER AUTHORIZATION

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 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have made complaints regarding the service company that this company has hired and have not been able to get any action from the servicing company so I am asking that this company fix there client. I have pages of documents of how they do not service my home loan correctly and then make my credit report bad. I have sent this information to the credit bureaus. This servicing coming is rate bad on the XXXX and why XXXXXXXX XXXX uses them is questionable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation