vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was in my local laundromat, when an XXXX guy came to me and started conversing with me. Please note that, its been only 3 months, since I have been to this country. So after a bit of conversing, he told me that his bank account in XXXX  was frozen and he needed help with his bank, so that he can avoid the overdraft fee. He said he'll give me a check and take cash on its behalf. That's my biggest fault, I trusted him because my experience in US was pretty good so far. People were really warming and helping to me, so I thought, I should return the favor. We walked to the ATM and he put in a check for XXXX $ out of which I got XXXX $ in my account then and there. He then proceeded to make a withdrawal of XXXX , saying that 'I 'm leaving some for you, because we should be looking for one and another. '' The money order, which was from XXXX XXXX, still showed processing. So the guy gave me his phone number. After we parted our ways, I was still very worried and I tried XXXX for situations similar to the one, I was in. Surprisingly I did find a similar kind of a scam. So I ran back to the bank, they told me that, since the withdrawal was done in my presence, I was to be held responsible and that I should go to the police. I did that. The cops said that they'll lodge a complaint once the check shows up as a bad check. 
Next day to my surprise, the check did get cleared. That gave me some hope. I got the money in my account. I was still worried so, I took all the money and transferred it to my friends bank ( left only XXXX $ in my account ) Five days later, the check got a hold and my account was at -XXXX $ including an overdraft fee. The police lodged a complaint and told me that if I give the record to the bank, they'll give me a refund. 
After submitting the police report the bank told me there's nothing they can do because the money I gave was done on my presence so I have to communicate with the party I gave the money to. The scammer isn't going to contact me, is he? The police said, all I could do is go to the court and contest. 
I am an international student, with a huge student debt, I know i was indeed clumsy, but isn't there anyway to help me with this? At all?

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 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
In XX/XX/2018, I purchased a new XXXX XXXX XXXX  and financed the transaction with XXXX XXXX XXXX XXXX ( " XXXX  '' ) to obtain an additional discount on the vehicle. The loan did not have any prepayment fee or other restriction, so in XXXX, I refinanced the remaining balance due with State Farm Bank " SFB '' ), working through my XXXX XXXX XXXX agent that handles the insurance policy on the truck. I applied for the loan on XX/XX/2018 and SFB funded the loan on XX/XX/2018, sending a check to XXXX to repay that loan ( which was posted as payment in full by XXXX on XX/XX/2018 ). After my first payment of {$560.00} to SFB, due on XX/XX/2018 and posted to my account by SFB on XX/XX/2018 ( the date received ), I looked at my account on the SFB web site to see how the payment was applied. To my shock, SFB charged interest on the loan from XX/XX/XXXX ( the date I applied ) rather than from the date SFB funded the loan. I believe that this practice is illegal, and is certainly unethical. After several conversations with representatives within different levels at XXXX, XXXX  refused to reverse this illegal accrual of interest. The amount of excess ( i.e. illegal ) interest accrued is {$37.00}. This may not seem like much but the result is that the principal of the loan is thereby overstated by {$37.00} and will be for each monthly payment for 58 months, resulting in substantially more interest than is allowed by law. In addition, nowhere did SFB disclose in the loan application that interest would accrue from the date of application. If SFB had done so, I would not have borrowed the funds from SFB. If SFB has done this to me, it is likely that SFB has done this to thousands of other borrowers who do not have the financial acumen to see that SFB is defrauding them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
On the XXXX of XX/XX/2018, I viewed XXXX for a hotel room. I looked at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX for room rates. I initially did not book the room. I went to view the room again and booked a reservation thru XXXX. I did not want to provide a credit card but was assured that it would not be used. It also stated that if I did not use the room, I would not be charged for the room. 

An emergency occurred so an hour and a half later, I canceled the room thru XXXX. I thought I was done until I received my credit card bill and the room was on my statement. I disputed this cost several times with my credit card company. I also got in touch with XXXX. XXXX said that I needed to get in touch with XXXX XXXX XXXX. 

I trusted XXXX 's web site stating that I would not get charged for a room I did not use and also that my credit card number I gave them would not be used. Neither happened. 

I informed Capital One that this charge was unauthorized but in each case, they continued to place this cost on my bill. I canceled my credit card using the XXXX number but according to the bills I still get from them, they still have it open and they are continuing to charge interest and finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted TransUnion via certified mail regarding a public record that they are inaccurately reporting on my credit profile. In my initial letter that was signed and received by TransUnion on XX/XX/18, I requested verification of the public record. TransUnion responded on XX/XX/18 indicating that the public record had been verified. I replied to their correspondence requesting the procedure for verification as I was concerned that the matter had not been subject to adequate investigation. I explained to TransUnion that I contacted the court indicated on my credit profile and the court denied providing any verification to TransUnion regarding the public record being reported. TransUnion is indicating on my credit profile that the public record was reported by the court while the court is denying they made any verification. I also provided letters to TransUnion confirming security freezes and opt out status from XXXX, XXXX, and XXXX that I was granted due to concerns of inaccurate items on my credit profile. 

It has been more than 30 days since I initially contacted TransUnion regarding this matter and despite requesting information regarding the specific contacts made ( persons TransUnion spoke to or contacted to verify the information they're reporting ) and process for verification of this item, TransUnion continues to refuse to properly verify the information they are reporting. The item has not been listed as disputed and the item has missing information noted in the tradeline. TransUnion is required to provide full and accurate information and provide verification when requested. Despite my ongoing requests, TransUnion continues in their failure to properly investigate and verify this public record.

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 2019-01-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a chase XXXX rewards premier plus card via XXXX ( where the offer was initially made ) XXXX XXXX XXXX  and than I was redirected to chase on the XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Application was processed and approved as per online application. I was than stated that I was going to received the card in about 7 business days. I now today XX/XX/XXXX access my account and noticed an annual fee was applied for {$95.00} when the offer I applied for was for a {$0.00} intro annual fee for the first year, then {$95.00} after the first year has passed and a {$200.00} credit after first purchase within 3 months from account opening. I contacted chase today to verify what is going on and the first agent mentioned the offer is not valid online via chase at it seemed the site may have not  updated it on their end and therefore being an old offer and the other answer was that they don't know what happened and that I was redirected to another site that wasn't offering the promotion. As a XXXX myself and working as well in XXXX  this is an unacceptable answer. I spoke to the supervisor XXXX and I mentioned to her my credit was ran therefore affecting me as an individual because it was ran for a useless purpose. She stated there is nothing she can do and can not give the {$200.00} credit offer nor reverse the {$95.00} fee. It is upsetting that such a huge company could care less for their consumers and needless to say have consideration and accept the responsibility of their incompetent system if that is the case. I take this personal as I am a person with a good withstanding credit and I would have not applied if it wasn't because of the offer was there. To me this is false advertisement and misleading as once again I applied mainly to take advantage of the offer being made otherwise I would have not applied. As a consumer is only shows me that I can't trust companies and it's insulting as a consumers because they are very dismissive without a care to the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a signer on my Mothers bank account. My Mother passed away on XX/XX/XXXX. The bank refused to close the account stating they have to return funds to Social Security Administration. My Mother has a direct deposit with the Social Security Administration, and the Administration automately deducted the payment that was made to my Mothers account after her passing. The bank continues to leave the account open after almost a year, charging monthly fees, and refusing to remove my name from the account. I have communicated with the bank over the past several months. In detail during the month of XX/XX/XXXX, after going to the social security office, and being advised the bank was inform on XX/XX/XXXX, that Social Security Administration was not seeking any additional repayment outside of the auto pay that was reversed in XX/XX/XXXX 
After my communication with the bank on Thursday, XX/XX/XXXX, the back added addition charges, which were previously removed months ago, back to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Home Depot/Citibank credit card on XX/XX/19. Application Reference # XXXX. I have a credit score of XXXX and no debt. I just purchased a home and I was in the store to purchase a Fridge and blinds. I applied online and I was told to go to the store to have the store associate contact citibank. Citibank advised that I need to bring a credit card for identity verification. I went home and retrieved my XXXX XXXX   Shops credit card and returned to the store. At which point ; they requested another credit card for additional verification which I thought was ridiculous considering this was not advised before. They denied my application for reasons i can only assume was due to discrimination.I contacted all 3 credit bureaus and each representative stated that there is no reason why I be denied for credit. Please advise

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 2019-01-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As it pertains to the credit bureau of XXXX, Equifax, and XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion continues to violate guidelines of fair reporting according to the FCRA. Attached to this current complaint is a copy of the letter I sent Transunion that they received on XXXX XX/XX/2018 requesting 1. The information that XXXX XXXX   sent Transunion enabling them to verify this inaccurate credit card charge off on my credit report.and 2. The contacts of the individuals from XXXX XXXX providing the inaccurate unverified information on my Credit Report. Transunion sent me a copy ( see attachment ) detailing re-investigation procedure. XXXX XXXX has informed me that they have NO contracts binding me to the account and stated that they believe the reporting is fair and left the decision to Transunion to remove this inaccurate unverified information. I have forwarded that letter from XXXX XXXX to Transunion who continues to report this WRONG information on my Credit Report. THIS IS NOT WHAT MY REQUEST WAS AND THAT IS NOT MY ACCOUNT. This will be my final attempt I have enough complaints and responses on this portal from Transunion to proceed with my small claims lawsuit for FCRA violations.

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 2019-01-03 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: CA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I switched providers from XXXX in XX/XX/XXXX. I was sent a box to return my phone but I never received a box to return the " free '' tablet. I called them repeatedly requesting the return box. I also emailed and " live chatted ''. I have been told 3 different stories by XXXX so far. 
1. A box will be sent to you and just follow the instructions like you did with your XXXX XXXX. 
2. Go to a XXXX Store and get a return box there. Every XXXX store I have gone to said they carry no such boxes. 
3. Just return the tablet to a XXXX store, no XXXX store I have gone to will take the several years old " free '' tablet. 
Then they put it in collections, I offered to send the tablet back at my own expense and they went back to the box coming, then store for box and then return to store song and dance again. Naturally I appealed the collection and won. XXXX then put it in collections again. I appealed to this new agency and won again. This current collections effort marks their 4th effort to get me to pay {$230.00} for a 5 year old " free '' tablet. Each time they put it in collections, it hits my credit reports. Even after I successfully appeal it takes months to get my credit report straightened. I will gladly ship this tablet back at my own expense. I will even drive somewhere and hand deliver. What I will not do is pay them for the tablet. i did not have to pay for the phone I returned, my mistake was not shoving the tablet into the box even though it was marked for the phone only. Please note the date of their latest collection effort XX/XX/XXXX, which further proves that I have been fighting with them and their various collections agencies since my decision to terminate XXXX  in 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 2019-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
I applied on XXXX XXXX website for a personal loan. I was declined. They sent me an email telling me to login to my dashboard. So I click on email link to go to the dashboard. And this dashboard has a wrong physical address on my account. I was very concerned because I am the victim of ID theft. I called customer service and wanted an answer. The agent said I didn't know what I was doing and I told him English is my first language and I know how to read and I did know what I was doing. He asked his manager and then said " that happens, the wrong address on the account, be we don't know why, just login and update it. '' They didn't take my concern seriously at all. I had a problem applying for this loan. At first, they ask to verify your identity and ask for your last 4 digits of your social security number. And your address. But then I got a message saying they couldn't verify my information. I then entered my entire full length 9 digit social security number. Now I'm afraid someone stole my identity again. He did say my loan application was declined based off my real address, not this fake address, but how do I know this is accurate. Now I have to pull my credit reports to see if this fake address shows up.

Company response to consumer: Closed with explanation