vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to change my flight with the airline. I contacted the customer service department and was put on hold for an hour without anyone helping me. I disputed the charge with the credit card company and was refunded the money. The airline decided to respond to the claim AFTER the trip was scheduled and the credit card charged my account again. This is very deceptive. I should not have been refunded the money only to be charged AFTER the flights were to take place.

Document attached is what was sent to me by the back. It states I was a no show. I was refunded the money therefore I didn't think it was legal for me to use the ticket. I would have been stealing from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I  responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX  owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX  XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX I have capital one account on my credit report I send two certified letter about the account both letter came back I asked to send any information about the account no response from them I send the credite buero XXXX remove it but XXXX and XXXX they didnt remove it so please I need this account remove or delete from my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have made several complaints with your company, Consumer Financial Protection Bureau. I am not satisfied with the way things have been handled. Complaint # : XXXX and XXXX. 

Chase Mortgage has stated that they have gone back and research their records. How can the target, Chase, check their own records. They should not research the records. We need a higher authority to audit Chase Mortgage. An uninterested party should be able to come in an audit Chase Mortgage. 

Chase Mortgage illegally foreclosed on my property while the loan was under consideration for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX  credit report and also on XX/XX/2018 reported to XXXX  and XXXX  with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NJ

Complaint narrative:
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have contacted PROCOLLECT several occasions and they have stated that they report to the credit bureau, every beginning of the month. My debt has been paid since XX/XX/2018. I have a letter stating balance is paid in full. But still every time I dispute, when report is done ; company verify debt is correct. But I've paid the XXXX balance that's shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/2018 XXXX XXXX  - I requested a credit increase on a credit card from US Bank, and it was never disclosed by the US Bank representative that there would be a credit inquiry. I did not authorize the a credit inquiry by US Bank. 

XX/XX/2018 - I spoke to a US Bank supervisor ( XXXX XXXX ) that went back and listened to the call and confirmed that the US Bank representative did not disclose the credit inquiry and in turn did not authorize the credit inquiry by US Bank. I was told that I would have to fax a Credit Dispute to US Bank with the information and that it would be removed. 


XX/XX/2018 - I followed up with US Bank and spoke to a US Bank supervisor ( XXXX XXXX ), and she said nothing can be done. 
US Bank is not appropriately responding or taking action to my request. I just want US Bank to delete the credit inquiry. As it is having a negative effect on my loan applications and my acquisition of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
They keep overcharging me for interest and incorrectly appying payments. Please see XX/XX/XXXX statement and payment history. The interest amount due XX/XX/XXXX on statement is a little bit over {$70.00} however, when I made my payment on XX/XX/XXXX, they applied over {$90.00} to interest. Why? This is not the first time they apply interest more than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my minor daughter account without notifying me by email, phone or mail. My daughter receives back pay from SSI and is required by law to have an open account. Bank of America knew this and still didnt give me a reason on why my daughter account was closed. Now they want me to go into a Bank of America office and speak to a specialist about re-opening the savings account. I want to know why was it closed without any form of communication?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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 — Problem with personal statement of dispute
Company: GREAT WESTERN BANCORP, INC.
State: VA

Complaint narrative:
Two issues that have not been reported correctly. Great Western Bank has reported late payments several years ago because multiple payments made at one time were credited to my account as one payment. XXXX Hospital XXXX has reported a collection account on a balance resulting from XXXX XXXX Co taking several months to pay entire bill. A collection referral is indicated but there was never any contact or collection activity pursued since the hospital was aware of the yearly deductible being met and the insurance company finalized the claim in three months. Both of these accounts have been paid in full for many years but still remain active despite contact several times to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NJ

Complaint narrative:
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: CT

Complaint narrative:
In response to XXXX. I have SEVERAL other XXXX accounts and XXXX XXXX   XXXX  is ONLY an installer of the security equipment, they do not provide monitoring services ( at least in XX/XX/XXXX-XX/XX/XXXX they didn't ). Once the installation is complete the monitoring services are provided through XXXX monitoring sites, as XXXX XXXX XXXX does not offer monitoring services. That is why the only bill I received for the account in dispute came from XXXX in XX/XX/XXXX, and not XXXX XXXX XXXX, and that is why in XX/XX/XXXX the service interruption notice came from XXXX and not XXXX XXXX XXXX. That contract that you have is not legit ... that's not my signature, as you will see when I feel it is needed to show my other contacts, and tthe monitoring contracts that I possess have XXXX logos and not XXXX XXXX XXXX. The only XXXX XXXX  XXXX logo I have is for the purchase and installation of the security system. I will proceed to fight this because there is a scam somewhere. I will be proceed to the next step since I now have a copy of your fraudulent XXXX XXXX XXXX contract that I never saw or signed. The document itself is fraudulent and forgery is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I need help!

I am a XXXX XXXX, a former roommate XXXX XXXX, XXXX XXXX convinced me to open ( 3 ) bank accounts so she could deposit counterfeit cash and write bad checks against the balances.

I would like my name within your system restored to a good status.

XXXX XXXX was able to assist me. Unfortunately your customer service was unable to help 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 2018-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This company is a fraud and de fraud me I agreed to a 12 % apr on XXXX title loan and had my head ripped off with a GIANT 68 % rate I DID NOT agree to this I was told my rate would be 12 % then I look up Westlake it looks like you the cfpb have fined them XXXX XXXX dollars and my loan XXXX if you can call him that was indicated for fraud from the FBI My " Esigned '' loan documents show 68 % which are forged!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to Transunion and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: MS

Complaint narrative:
On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to XXXX and Equifax with inaccurate and obsolete information thats shows on all XXXX credit bureaus and they will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2018 XXXX credit card has reported a miss payment to my Experian credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I received an American Express BlueBird prepaid card in the mail. I did not apply or in anyway want this card. They had some of my information with this attempted account. I called customer service and they were less than helpful with their service and the Account Protection people  were worse. I had to repeatedly explain over and over that i did not apply for this card nor would I want a card like this. They said that the account was cancelled or closed but refused to provide me with any confirmation via mail that it was closed and resolved. I talked to a " XXXX '' and his supervisor " XXXX '' from the " account protection '' department. It sure seems really fishy to me. They wanted me to confirm via an email they sent before they would send me an email as well rather than a letter. I refused to click or give anymore information than they had already. I would like them to send me a confirmation letter that this was taken care of. This is ridiculous and if this is any indication of how American Express works I would not want to do any business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX obtained an illegal garnishment on my wages and bank account. When I call I was told no accout existed and to call back on Monday. When I goto their website it says a debt is vailid for over {$6800.00}. I was never made aware of this debt and was not served with anything. I am a single mom, head of household and sole provider for my XXXX old XXXX daughter, my XXXX yr old XXXX son and my XXXX ur old mom with XXXX XXXX. I barely make min wage. The debt information provided to me was from XX/XX/2005. I did have the same company garnish my wages in XX/XX/2005 but was taken away when i proved the debt was not mine and I didnt make enough for them to garnish. This time they took my daughters child support, my rent and my paycheck ... I CANT AFFORD TO PAY A DEBT THAT IS NOT MINE!!! PLEASE HELP ME!!! They took the money last night at XXXX XXXX when there was nobody to dispute to and my bank said due to legal issues they could not provied me I go.., PLEASE HELP ME!!

Company response to consumer: Closed with explanation