vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 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:
Equifax sent me an email XX/XX/2019 that my dispute was ready for review online. They emailed me a confirmation number before the 30 days of investigating my account which I feel their results will not be fully investigated as I asked them. So I click the view your results link in the email and put in my information. Then the website says " Sorry for the inconvenience, currently, service is unavailable. Please try again later. '' I wanted to see was it just my account and I feel it is because I asked my friend to do it also under her information but she got through. I believe Equifax is blocking my account on their end so I can not see my results. I called in XX/XX/2019 once again customer service was horrible because they can not answer the consumer questions but these are the people handling our credit report. I am very disappointed with the credit agency and wish they handle business like XXXX. XXXX is still investigating my account and actually doing the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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:
I disputed a hard inquiry on my credit report with Equifax on XX/XX/19. I had a credit inquiry from XXXX XXXX, and I had not authorized ( explicitly, or implicitly through application for credit/service ) a credit pull by XXXX. Equifax responded on XX/XX/19 that the XXXX inquiry was perfectly valid, and offered me absolutely no additional information about the nature of the inquiry or why they had determined it to be valid. Later on XX/XX/19, I submitted a new complaint with Equifax that they clarify their findings and I initiated a XXXX year fraud alert. On XX/XX/19 I received a bill at my home address for a XXXX mobile account which I had never authorized. Equifax has yet to reply to me from my XX/XX/19 response, despite a promised turnaround of two days. Moreover, given the inquiry was indeed fraudulent, it is unacceptable that Equifax 's review procedures found nothing concerning in the inquiry and failed to provide me with any information regarding why the inquiry had been allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I signed up for Citi 's Safeguard protection service back in 2006 and was mislead on stipulations that are required to file for unemployment benefits in order for them to activate this service. As being unemployed for 4 months now, I've attempted to activate the benefits and was denied due to the fact I was denied unemployment benefits from the State of Arizona. This was never discussed as a requirement upon the initial offering of this service that it is contingent upon being accepted or denied unemployment benefits but was offered as safeguard in the event I was unemployed. I've attempted to just ask for the fee charged to be refunded as I can't utilize their service due to their necessary stipulations to activate it so I cancelled the service due to being misleading on how the service will work when been offered it by Citi via customer service call back in 2006. Citi 's customer service wasn't helpful as they just refer you to their third party agency, Citi Safeguard, when I've attempted to call and escalate the matter to appeal the denial so that I can get the fees back they charged me for a service that doesn't assist when you actually become unemployed. Please be aware of these types of service offerings when offered as they may have hidden stipulations and should be advertised along with service offering in the beginning. Otherwise I would have never signed up for a service that will not assist and deny you when you actually need it to function but they already collected their fees for it and not willing to give it back to 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 explanation
Consumer complaint received 2019-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AC AutoPay LLC, Denver, CO Branch
State: TN

Complaint narrative:
XXXX XXXX was my go to shopping site for auto refinance which make me sign a disclaimer that state lender MAY do a hard pull on my credit account. 

AutoPay reached out to me offering for the refinance and the gentle man gave me a offer and I clearly told them to wait until I hear from other lenders as I was still shopping. 

I also told them over the phone to not complete my application and even if they do don't do any hard queries on my account, but soon after I ended the call they did a hard pull on my account and when I called the agent, he apologized me for doing it by mistake and also told me that his manager will call me for the dispute. 

The great manager called me and said since I signed the disclaimer with lending that gives them the super power to do hard pulls on the account how many ever times they need which is ridicules. 

I still don't understand when I didn't authorize anything over the phone, they did a hard pull on my account and not willing to dispute it. 

Now they're not even picking my calls. Please help me hear. This is cheating.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My Navient private loans were refinanced in XX/XX/XXXX with XXXX. I no longer owe any money to Navient. However, Navient withdrew payments from my account for the month of XX/XX/XXXX and on XX/XX/XXXX of {$250.00} that I did not authorize because I no longer have loans with Navient. XXXX repayment plan is for {$240.00} per month which I agreed to. I contacted XXXX and was informed that since I did not terminate the automatic payments with Navient that they will continue to deduct funds from my account even if I did not have a loan to pay as they use a third party to collect payments. I was not informed this by Navient or XXXX until I contacted the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a XXXX XXXX customer for over 20 years and have used their store card to make thousands of dollars worth of purchases for myself, family & friends. Recently, XXXX XXXX took it upon themselves to " upgrade '' their store card to an XXXX XXXX card. I had no interest in having an XXXX XXXX card but since I didn't notify XXXX XXXX of that fact they claim they sent me an XXXX XXXX card which I never received. Then XXXX XXXX told me they would send me a replacement card but they never did. In the interim, my original XXXX XXXX account was closed without my permission. Although I received a letter from XXXX XXXX from XXXX XXXX Executive Office claiming she would assist me with this issue I have called this office three times. First I'm connected to the wrong number then I get disconnected when I called again. On the third try at about XXXX today I get a recording stating I should leave a message since apparently the office is busy. XXXX XXXX Executive Office can't take a phone call during normal business hours?! I'm really disappointed in the shoddy treatment I've been getting from XXXX XXXX since their association with XXXX XXXX. Apparently loyal, long-standing XXXX XXXX  customers are no longer appreciated and are being forced to accept XXXX XXXX cards ...

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 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA honored 3 fraudulent checks totaling {$6500.00} on XX/XX/18 for {$2000.00}, XX/XX/18 for {$2200.00}, and XX/XX/18 for {$2300.00}. We immediately froze the account when we noticed the fraud. BofA investigated and then denied the claim because they said it was " pin verified ''. I re-opened the claim with supporting documents proving my son was in school when transactions took place and included bank signature card that does not match my son 's signature as well as asking bank to check their cameras as fake checks were time stamped when fraud took place, another way of proving that my son did not make these transactions. My son had {$88.00} in his acct. ( he is given {$100.00} weekly for meals and expenses ), whoever committed the fraud put money in his account to make it look like he had {$2000.00} and then went to 3 BOFA  locations inside and cashed checks with teller. BofA also transferred {$4500.00} from another savings account of mine into frozen account because of overdraw, BUT, the overdraw is due to the investigation that is pending. They later returned the money into proper account. I have been waiting since XXXX of 2018 for a decision. I am a single mother, raising a boy in college with no co-parent. This has been a nightmare. BOFA has not been helpful at all. Can you please help.

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 2019-04-22 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: WA

Complaint narrative:
I noticed the amount of interest accumulating on my loans has not been adding up the past several months. I called my loan service provider, Nelnet, for the first time on XX/XX/19 at XXXX and talked to XXXX . He investigated and found a mistake in my Loan Group B, Number 8. One of the loans in this group should not have been placed in this group and so none of my payments have gone to this loan over the past 5 years. Therefore, this loan was accumulating interest non-stop. He stated the mistake would be fixed in 3-5 business days. My main concern was that I would be responsible for paying for all of the interest. Nothing changed for several days so I called again XX/XX/19 at XXXX and talked to XXXX . She agreed that she could see the process was started to remedy the situation but that it was not complete. I got an email XX/XX/19 that my one-time special payment instruction was approved, indicating future payments will now by going to this loan, however all of the interest was still present. I feel I should not be responsible for paying for all of this interest when it was a mistake from my loan service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I maintain a business savings account with CapitalOne - an online bank. On XX/XX/XXXX, I received an email requesting personal information that I assumed was NOT from the bank. Among other things, the sending address included " salesforce. '' I called the bank and explained what I received and they confirmed it was not from them. I asked if they needed the personal information requested in the email, and was assured they had what they required for my account. The customer service agent asked me to forward the obviously " phishing '' message to < XXXX > which I did and heard nothing further until ... 

6 weeks later I received an identical message, ostensibly from CapitalOne but once again with " salesforce '' in the address. I once again forwarded it to < XXXX > and heard nothing until receiving a final email on XX/XX/XXXX informing me my account had been closed because I hadn't complied with their request. 

I called the bank and spoke with a supervisor who had no explanation for what had happened. I asked to speak with someone who handled cyber security - I am a technology professional - and was told that it was not possible. 

I asked for an immediate check for by account balance, but have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchased a United airlines ticket. The ticket was on miles and I paid for the taxes and fees on my Chase credit card. The ticket was cancelled prior to departure date and United refunded the mileage but the charges for fees needed to go back to original card purchased. A Chase credit card that was no longer active at the time of refund. Chase refuses to acknowledge the refund or provide refund in a suitable manner ( e.g. check, prepaid card, or any option ). I have tried multiple times ( 5 to be exact ) on the phone and in writing to get this addressed. On XXXX XX/XX/XXXX I sent a certified letter and Chase has still not responded as of XXXX XX/XX/XXXX. 

Previously in writing, Chase declined to refund money due to me based on response dated XX/XX/XXXX, stating Chase no longer had this account in their system. The account was active for period of time and does not exclude me obtaining a refund even if the account has since been closed. I have proof of this account and provided to Chase, but they say they can not find the account since it is no longer active. Proof of the account was provided and I still have to show this was an account in my name. 

This last response from Chase was especially disappointing as it is outright fraudulent. I have provided proof that I had this credit card, in my name and the full credit card number in all correspondence. I tried getting this corrected the month after the airline ticket was properly cancelled. It has taken over 9 months of back and forth and now Chase taking no record for accounting is unacceptable. 

To state that Chase no longer has these records is a violation of FINRA and Sarbanes Oxley. Both regulations require Chase to keep records for at least seven years. To state you no longer have proof is someone being lazy and not wanting to do the right thing in accordance with compliance, regulations, and standard governance. 

Chase 's response is a clear violation of Federal requirement for financial institutions under which they are a part. Chase is required by Federal law to maintain copies of account records for up to seven years. All transactions and records of account are documented and have been provided each time. Please help me as this is poor business practice on Chase 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Santander Consumer USA loan account was opened prior to date they are reporting XX/XX/XXXX. The vehicle was an voluntary reposession. I tried dispute the loan after talking to them they then updated the account in order to keep in on my credit file for another year. Now showing XX/XX/XXXX. Originally it was scheduled to be removed XXXX of XXXX this month this year. My wife and I are disable to to an automobile accident in which an semi truck ran us over on XXXX XXXX XXXX of XXXX. Due to legal obligations having to sue trucking company we were no longer able to pay car payments. I called and asked for an voluntary reposession of the vehicle. In it has been I've 7 years and Santander is still reporting on my credit file which is influencing my credit file. I have had 7 loans since this occasion and all are paid in full at this time. I am desperately needing Santanders negative credit removed from my file. My wife and are are still disabled on XXXX due to the motor vehicle accident and we ask them to co-op with us to remove this item however they updated it this year and changed origin start date on the loan so it would show for an additional year. We are struggling to maintain our utilities and raising our granddaughter at this time. I ask that they please remove this item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX of XXXX, an error occurred and BMO Harris did not receive proof of my Homeowners insurance. Due to another error, BMO was sending notifications of this to the wrong address, and also calling a phone number which was not mine. BMO bought homeowners insurance on the open market at a very high rate and adjusted my escrow. This is when I noticed it on my mortgage statement online. 

After correcting the address in their system and the phone number, they assured me that everything would be fine. They did an escrow assessment and sent me a check for {$1500.00} for an amount that the escrow was over. They assured me that the prior due amount would be adjusted on a future statement. 

Since then, they have not been applying my mortgage payments ( which are automatically debited from my checking account ) correctly. It is complicated for me to understand, but because of how their system works, they will not book a partial payment, but only a full one. For some reason, this error has been accumulating and is now saying that my mortgage is a full month past due and they are demanding I make, essentially, double mortgage payments. I can show in my checking account that the correct amount has been debited every month on the correct date without failure. Their website does not allow me to easily see more than a few months back and they are saying that I need to show them where the error took place. It seems like they are trying to make ME audit their systems without full information, something they should  be able to do. A phone representative ( XXXX in their customer service ) even said that it appeared everything should be current. 

I talked to Their representative several times over the last few months about this ( Once around XX/XX/XXXX ) and was always assured that they would escalate it to their Escrow department, and that someone would call me within 48 hours. I have never received any calls from their Escrow department and the issue has not been resolved.

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 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Received a alert from a collection company that is trying to collect a debt that is not mines.

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 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an Affidavit requesting Documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on these Debt without validating or even owning the debt.

I found the CFPB filing against this same Collection company in XX/XX/XXXX File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC. Not validating dispute and sending out generic letters saying you own this debt and we will not remove it from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that prove they are the owner of the debt or can even validate the debt.

I sent MCM a affidavit to establish the debt these are generic letter they send out to multiple people and I have proof. I have a friend that received the same letter. She is going to file an complaint also. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are owner of this debt and verify this is my Debt.

Thank you please make them abide by the provision from the case XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: VA

Complaint narrative:
Airline tickets purchased last year for my grandson and myself, could not be used due to a medical situation. The insurance purchased through XXXX XXXX ( XXXX ) was given documentation to support reasoning for refund last XX/XX/2018, who in turn would not approve the claim prior to disputing with Capital One. It was my understanding that the purchase of insurance was to allow necessary changes should a problem arise. Well it did. A provisional credit was issued and months later, reversed. Both XXXX and Capital One, said they were going to re-open the dispute but there are still no POSITIVE RESULTS like my refund. The current balance on my Capital One account ( {$5000.00} ) is and have been for a while over my limit ( {$4700.00} ). The following are the items disputed : XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$39.00}

Company response to consumer: Closed with explanation