vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I have been charged a Debt Protection fee from best buy and citibank. I never agreed or was told about this protection. I have protection through my work so I would never need additional protection. I have never been contacted by Citibank or Best Buy to receive refund. I can only see my statements from Best Buy from present to XX/XX/2017. I can't go beyond that to see how far the irroneus fees go. The fees range from XXXX to XXXX. The phone number associated with this fee is XXXX. It has been 4 years since Citibank was directed to repay customers and I haven't heard a thing.

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 2019-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I noticed I was a victim of fraud, I just turned XXXX so I honestly didn't know too much about credit until I needed it. From what I am told minors SSN are used by fraudsters to get many different things apartments, credit, loans etc. Unfortunately, I was a victim of this. I contacted XXXX, XXXX, and Equifax and told them of this XXXX was the quickest to fix my credit report. XXXX was the second to be fixed and Equifax I've been fighting from the date above until now XX/XX/XXXX. All the bureaus mentioned have all documents needed to fix this huge issue ex : DL, Birth certificate, SSN card. Who ever had my SSN was able to 1. change the last 4 digits with the credit bureaus 2.change my DOB 3. open authorized users in my name. 4. have creditors inquire on my credit report 10+ inquires ... Ive been given a total of eight dispute confirmations from Equifax none have a outcome still. This set me back before I ever got started to build credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Equifax due to there being two fradulant credit cards issued, and charged off to collections in XXXX. EQuifax accepted the initial dispute and advised that it could take up to 30 days for the dispute to be completed. On XX/XX/XXXX, I received an email from Equifax advising that the dispute had been completed and I could log in to their site to review the dispute. However, when I logged in to the Equifax site to review the dispute status there is a link for viewing the status. When I click on the link I receive a message advising that " We are sorry, your results PDF is unavailable to view at the moment. '' and displays a toll free number to call. I have called this number three times since XXXX in efforts to receive this but keep going in circles as they state that they can not email or fax the resolution and can only mail the resolution, which they have tried three times but have not been successful. 
What are my rights as a consumer for correcting this issue? 
There is also a severe language barrier as all I speak is english and the persons answering the phone have a deep XXXX accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America claims that charge ZERO currency conversion fees when charging in a different currency, while traveling abroad. I just returned from XXXX. While I was there the exchange rate ranged from XXXX - XXXX. And since my return, the exchange rate has always been above XXXX. When doing the conversions on my charges, I noticed that BofA only converted to USD at a rate of XXXX. This is basically FRAUD. 

Dates : Between XX/XX/XXXX-XX/XX/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 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a open capital one account for awhile and I closed it because the bank has a poor dispute dept and I disputed a loan and some payments from XXXX XXXX and I called capital one and told them I never had a loan with XXXX XXXX XXXX XXXX or a XXXX credit card before I called there two creditors and have those accounts closed as fraud and they are closed and I have gotten some of my money back from XXXX credit card but I filed a claim with capital one few weeks ago and I feel like they didnt do there research and my claim was denied due to unknown reasons .... and I received a denied email ... .. and I never did business with these Merchants and those accounts are shut down and my checking account number was stolen ... and I requested for a new checking account number and capital one has refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
For the first time I disputed a charge on my credit card due to non-delivery of an item I purchased. 

Basically, Capital One ignores information already provided in previous responses and/or requests information that is meaningless to the original complaint. I have copies of everything to share. I prepared in a PDF and redacted what I believe is all the personal identifiers. 

Clearly, NO ONE is actually reading the material I provide. Some of the information I used to dispute the charge ACTUALLY came from Capital One itself. To counter the claim, the Seller provided a copy of proof of delivery. The proof of delivery included 2 items ( 1 ) a mobile phone holder -- which I did not order and ( 2 ) reference to the item I did order. According to the customs declaration the 2 items weighed .06 kilograms or 2.166 ounces based on my conversion chart and were valued at {$5.00} The item I ordered? A gasoline powered car washer that weighs over 40 lbs. Anyway, Capital One blindly forwarded the proof of deliver slip without realizing discrepancy. I wrote back and carefully outlined all the discrepancies in the Seller 's response and still Capital One want more information - much of which was in the first reply. 

My theory is the Seller ( XXXX based ) added the item I purchased to a tracking slip for an item I didn't and gave that to Capital One. Once again, I have copies of EVERYTHING. This is a scam and Capital One is inadvertently an accomplice by not relying on the information provided. 

To make matters worse they want me to solicit another Seller of the same product to find out how they would have handled this matter. I AM NOT JOKING. What does that have to do with how this Seller handled ti. 

Clearly, Capital One is not reading the correspondence they are receiving. They ask the same questions already answered ; or XXXX questions like did I return the item when the complaint is about an item never delivered ; or want 3rd party opinions ( which I am suppose to gather for them ) on how they would have expected such a complaint to be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TN

Complaint narrative:
These accounts don't belong to me.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint about Chase Bank ... .. 
We were told our loan should have no issues, excellent credit, lots of equity, large income. We were told to expect to closing on or near the date of XX/XX/19. But the APPRAISAL VALUATION DEPT. at Chase Bank had the appraisal that was done on the property and was holding up the process. Question after question, some that were complete nonsense. Questioning 1. why the quest house didn't have a dining room, 2. why was value giving to our game room, 3. why wasn't foreclosures uses as comps, ( more than once this question was asked ) 4. why weren't we living in our main house yet, 5. then why were we living in our guest house, 6. obsessive questions about why we didn't have crops while living in the country, 7. why didn't we sale our house when we listed it last year, 8. saying our pond would be not be conducive to crops ... .THEREFORE UNMARKETABLE, 9. they insisted properties with only one house be uses as same value to our property that has two large newer homes. On and on they ripped the appraisal apart for 3 weeks. Costing us time and money. Trying everything to DEVALUE my property over and over again! When we had had enough we emailed the loan agent a note that we believed the only thing they were validating was their jobs, also the appraiser got snarky with them because they were never happy with any of her answers. My loan agent had forwarded our email to that Valuation dept. and the result was that the Appraisal Valuation dept. DENIED our loan. My loan officer was shocked ... I believe this was out of spite.

We have had appraisals done 3 times by 3 different people over the course of a year and all were over {$1.00} XXXX. But Chase Appraisers could not accept that. 
Our Credit score over 800 Our Income over $ 100K Over $ 780k in equity ... .. 
The loan agent filed a complaint on our behalf and we were supposed to receive a phone call from the bank within 3 days ... that never happen. 
It seems to me the appraisers at Chase should just do their own appraisals, why pull a third party into it? 
I am attaching copies of the questions the appraisers at Chase Bank sent to the independent appraiser THEY HIRED at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2019-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TN

Complaint narrative:
These accounts don't belong to me.

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 2019-09-03 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: TN

Complaint narrative:
These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd
State: WA

Complaint narrative:
XX/XX/2019 - I received a letter from Rossi Law that I owe {$130.00}. 

CREDITOR NAME : XXXX XXXX XXXX XXXX   XX/XX/2019 - I sent a letter requesting verification of the debt, copies of the original, signed and dated transaction. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Rossi Law Offices LTD XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX : Account # XXXX The purpose of this letter is to dispute the debt of {$130.00}, for which I received notice of collection on XX/XX/2019. 

Please send verification of the debt or a copy of the judgment against me. Also send the name and address of the original creditor, and copies of the original, signed and dated excise transaction. Any other details you can provide will be most helpful for resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I did not receive any verification information. 
XX/XX/2019 I spoke with XXXX at Rossi Law. Her answers were ambiguous. She said it is illegal for her to send me that information. 

I want the information that is associated with my name in this debt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TX

Complaint narrative:
In XX/XX/XXXX I sent my first dispute letter and disputed these accounts ( XXXX XXXX, XXXX ) via certified mail. After they received my correspondence they sent me back a letter stating it was verified. I asked them several times to send me their method of verification with names of persons involved in verification, in which I never received. The last correspondence I sent was XX/XX/XXXX and I still have not received any evidence of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
The problem is I financed furniture a year ago. I had 1 year no interest. I paid off my furniture on XX/XX/2019 so why do I still have a balance on my account. Yesterday someone called offering me money I told them my account is closed they said no XXXX the manager need to close it out. Called back today spoke to receptionist she says XXXX says haven't closed out my account and don't know when it will be closed out. This is unacceptable. I will never deal with this company again. Don't want my credit ruined behind a open account that should be closed.

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 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX has called me telling me i owe XXXX $ for 3 months of rent but me and my wife were on three month leases and were there for 6 months and on top they cant give me any proof of the lease or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Flagstar Bank has not refunded me my escrow balance of {$1800.00} after multiple attempts to get them to do so. I first called them on XX/XX/XXXX to ask when I would be receiving my refund and was told it would not be mailed out until XX/XX/XXXX. I contacted them again after that date and was told a check was mailed on XX/XX/XXXX and that I should wait 10 business days to receive it. I did not receive it but contacted them again on XX/XX/XXXX and was told that it may have gotten lost in the mail. They confirmed that they had my correct mailing address on file. I also explained that I am enrolled in Informed Delivery with USPS and have verified that it has not been received by my local branch. They then told me they would initiate a " ticket '' to get another check sent to me but would not specify how long that would take. I contacted them again on XX/XX/XXXX and spoke with a manager and explained that I believed they were being dishonest. I was told it takes an additional 15 business days to issue a stop payment on the check and send another. I told her this was unacceptable. I also gave my email address.

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 2019-09-03 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: PA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services
State: WI

Complaint narrative:
I decided to get a payday loan from Soild Oak Finance. I ended up getting behind. Got over my head in other payments. I tried making an arrangement of {$50.00} per month. I never heard back from them. Found out this lender has garnished my wages. I never received any small claims summons, any paperwork from Soild Oak telling me they were suing me. I looked in Wisconsin Court access for anything of them suing me. There is nothing. I am below both state and federal poverty line. On food stamps and state paid XXXX. Under WI SS 812.35 this is an ILLEGAL garnishment. Under federal law, this is an ILLEGAL garnishment. We want to file a complaint, want the garnishment to STOP and want to be reimbursed for all monies taken ILLEGALLY from my pay check. Company who take advantage of poor people then go around federal and state law and steal from them shouldn't be allowed to be in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: WI

Complaint narrative:
I had a company pretending to be lending tree scam me out of money. I have all corresponding emails fake loan agreement etc. The false number given is XXXX. They even sent me letters from the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation