vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
HELLO CFPB, IN XXXX I GOT A VICTORIA SECRET CARD AND IN XXXX IT WAS COMPRISE SO THEY SEND ME A NEW CARD WHICH I NEVER GOT. AS OF TODAY I STILL HAVE THE OLD CARD. VS TOLD ME TO THROW IT AWAY BUT I STILL HAVE IT. THE OTHER DAY I TRY TO USE IT FOR {$40.00} AND THE LADY AT THE VS STORE SAID IT WAS BEING DENY. NO TRANSACTION AT ALL. NOW ON ON MY CREDIT REPORT VS HAS REPORTED ME {$40.00} PAST DUE AND I HAVE NO CLUE WHAT THAT IS ABOUT AT ALL. 

OLD CARD # XXXX NEW CARD # N/A

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Nine charges to my credit card are fraudulent. The company ( Citibank ) has not removed them, and meanwhile has billed me, with interest. The charges are being " investigated, '' but whether that's true or not, I have no idea. I've talked to their customer service, but that's worthless. I have not been in California in three decades, the card has always been in my possession, and no one else is authorized to use it. Card is locked presently, and the account will probably be closed by me when this is resolved. 

The charges : XX/XX/XXXX XXXX XXXX  XXXX CA {$10.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$30.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$95.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$27.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$31.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$62.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$80.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$46.00}

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 2021-07-31 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: TX

Complaint narrative:
There's 4 collections on my Equifax Credit Report from XXXX XXXX XXXX I requested proof of those 4 accounts none was sent. 
I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however Equifax is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that JP Morgan Chase was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, Transunion & XXXX, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc. 

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.

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 2021-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, XXXX  & Equifax, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc.

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021, I just received a notice that I was charged a late charge. I paid a {$500.00} payment on XX/XX/2021 and the payment was not due until XX/XX/2021. This is not right and I owe no late charge. 

This charge is through Capital One. 

Will you please help me? 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
T

here's 4 collections on my XXXX  Credit Report from Portfolio Recovery Associates I requested proof of those 4 accounts none was sent. I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however XXXX  is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened American Express XXXX card on XX/XX/XXXX, and there was a promotion for new card holder the applicant will receive XXXX membership rewards points after spend {$5000.00} on purchases on my new card in first 6 months. Plus, I would earn 10x points on eligible purchase on my new card at U.S. gas station and U.S. Supermarkets. by deadline date of XX/XX/XXXX, I spend qualified purchase total {$5300.00} but did not see neither the XXXX bonus points nor the 10x points on gas station or supermarket reflected in my account ( see attachment 1 : Amex promotion screenshot ; attachment 2 : Not receiving 10x points on supermarket or gas station purchase ; attachment 3 : Amex Platinum Card Activity History XXXX to XXXX, this does not include membership fee, payment, credit but does include refund as negative balance ). 

On XX/XX/XXXX, I contacted Amex online chat and been advised that I need to spend {$560.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$880.00} amount of purchase. ( see attachment 4 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat again and been advised that I need to spend {$140.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$460.00} amount of purchase. ( see attachment 5 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat one more time to check my spending balance. At the beginning, Amex representative was saying that I am {$13.00} short, but after I questioned that, he confirmed that I have met the spending requirement and will get my welcome bonus points unless any refund or return payment, and there was no such transaction happened during that period. ( see attachment 6 : Amex XXXX Evidence ) The whole time I have been following whatever info Amex advised to me but did not get bonus points as promised. So far I have contacted Amex customer service via online chat and phone for over 20 times, and they keep promising wait later and they will credit, last time they said by XX/XX/XXXX I will see all these points being credited to my account, but when I checked on XX/XX/XXXX those points are still not in my account. I contacted Amex again and they refused to credit me because I did not meet spending requirement ( which is completely not true ), but when I ask for details they could not provide any. 

At this point, I'm afraid keep connecting with Amex will not solve this issue and I want to file this complaint instead. Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX SunTrust Mortgage , Inc . 
Attn : PMI/ MIP Processing Department VAXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( XXXX ) XXXX I have spoken to XXXX XXXX ( Case # XXX ) about my SunTrust Mortgage Loan XXXX XXXX and I was advised that with refinancing the recently appraised value in the contract can be used for waiving PMI, and PMI should be waived if the LTV is below 80 %. They also pointed out that I have refinanced just recently in XX/XX/XXXX. XXXX XXXX further advised if confirmation of the home value is needed due to dropping prices in the home market, an XXXX can be done. I am requesting my PMI to be waived with SunTrust due to my LTV being at {$320000.00} ( Current Loan Amount ) / XXXX ( Appraised Value Listed on Refinance in XX/XX/XXXX ) ) or 79.7 %, and this is my second request. I have put in a written request on XX/XX/XXXX to have my PMI waived and have yet to receive a formal response. 

I also want to point out that home prices are not decreasing since XXXX but are increasing based on the FHFA HPI ( fig.1 below ) that increased 1-2 % in the XXXX and in XXXX XXXX between XXXX XXXX XX/XX/XXXX. In addition, after reviewing some of the data from one of the most accessible appraisal sites, XXXX, I was able to see that my property is now estimated at {$470000.00} ( fig. 2 below ). The home value at XXXX is an increase of 15 % from the value listed on the XX/XX/XXXX refinance with SunTrust and would put my LTV to 69 % ( well above the requirements to waive the PMI ). 

I do not know why i can not receive the support we all deserve when calling SunTrust. I called them at least several times asking for clarity and for confirmation between the months of XXXX. Last I spoke to their agents on Friday, XX/XX/XXXX I was finally advised that their back office is working on a rejection letter for my PMI request and that i need to get an appraisal that can cost me between $ XXXX dollars. It seems like this PMI process is being dragged across in order to ultimately get more money from the customer.

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 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that XXXX XXXX XXXX was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I paid for a XXXX XXXX  with XXXX XXXX ( XXXX XXXX XXXX XXXX ) that covered any evictions and other fees up to {$3000.00} dollars. 
Once evicted from XXXX Apartment Homes ( XXXX XXXX XXXX XXXX ) in XXXX my final statement/cost owed was {$2800.00}. XXXX XXXX should have paid that to XXXX but now National Credit Systems is reporting to all credit bureaus that I still owe {$2800.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) which is untrue because my XXXX XXXX  covered upto {$3000.00}. 

Also, NCS stated in a letter after an my attorney disputed information in XXXX, that the original creditor is Sure Deposit and not XXXX XXXX XXXX XXXX  XXXX XXXX. - attached I have attached my final statement from XXXX and also XXXX XXXX information and the eviction dismissal with no fines owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied to SBA for the PPP loan on or around XXXX of this year. I was approved by the SBA and had my funds sent to my Capital One Bank in the beginning of XXXX. For some reason, Capital One Bank said that they were not allowed to distribute the funds and I needed to contact SBA. I contacted SBA and they had no clue to what Capital One Bank was claiming. SBA verified my approval and the funds sent to Capital One Bank. I relayed the information to Capital One Bank and to this day Capital One Bank refuses to release my funds. The last conversation I had with Capital One Bank was that they were going to send the funds back to the lender. It has been over two weeks and they have yet to do so. I am responsible for paying back a loan that has nothing to do with Capital One Bank and is not in my possession. I have had several conversations with many representatives from Capital One Bank and requested their actions in writing. They have yet to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/2014 CREDIT ACCEPTANCE CORPORATION USED ABUSIVE ACTS AND MISLEADING ACTS TO COLLECT A PAID DEBT THE DEBT WAS PAID IN FULL AT THE TIME OF THE CONSUMER TRANSACTION USING MY SOICAL SERCURITY CARD GIVIEN TO ME BY CONGRESS, WHEN A FINANCE CHARGE IS REQUIRED IT IS THE SUM OF ALL PAYMENTS

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 2021-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
I received my new disclosure and was Approved by case teams a Second Time.

The school and the Servicer is still refusing to give me my loan even after it was approved again this Friday. They are illegally denying me my federal aid under federal aid programs after, receiving my 2nd Approval again.

Company response to consumer: Closed with explanation