vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I believe this is credit card debt. This is 1 of 2 accounts they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX in the afternoon i received an e-mail from a chase stating as you have requested weve ordered you new atm/pre paid or debit card or you were issued on at a branch. I was working and i thought it was weird that they would send me a email when i had no changes to my account, or anything for me to have requested a new card or anything. I checked my account to make sure everything was okay and it was. When i got off of work at XXXX i received notifications of 4 transactions at a XXXX XXXX in XXXX for the amounts of 1- {$54.00} 2- {$52.00} 3- {$52.00} 4- {$52.00} i quickly called the bank to have my card canceled. They did a verification over the phone and asked me questions that had nothing to do with me, i also tried verifying with my phone number they stated they would send me a quick text ( but that the system had blocked my number? ) also that i had answered the questions incorrect therefore i had to step into a branch. I stepped in had myself verified with two forms of ID. An agent called the claims Deparment asked me valid questions pertaining to what was going on and told the claims department over the phone yes i have the card here in front of me validating that it was fraud and someone had either cloned or just knew my numbers to my card. the agent told me i would get a refund within a couple of days and i did. I got the refund everything was perfect. On XX/XX/XXXX around XXXX i checked my bank account and noticed they had taken back the money they had given me back, i immidately went into a bank and was put over the phone with the claims department and was told that they had experts that knew that i had inserted my card into the XX/XX/XXXX machine, and had entered my pin into the machine as well. When trying to ask how is it possible since they took my money at XXXX XXXX  on the XX/XX/XXXX, and stepped into a branch that same day at XXXX With my card. I could not be at two places at the same time. I live in XXXX tx when trying to explain this to the claims agent he stated maam theres is nothing we can do anymore we have proof and basically cut me off i had to talk to a manager who told me i should file a police report if i want to get this settled. I took my police report today. Gave it to them and all they said was okay thank you. Never told me what was wrong, what was going to happen, nothing at all. Why give me the money back if later they stated they had proof that i was doing fraud with the bank. I am very upset that a big bank like CHASE would do this to a loyal customer. I want justice for my claim. And my money that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Company continues to send letters to family members. They also continuously call my cell phone as well as my family members landline numbers throughout the day which is highly annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/XXXX : I signed up for CLEARCONNECT CHECKING account under terms of {$200.00} new account bonus. Offer expired on XX/XX/XXXX. 

XX/XX/XXXX : I signed up again for CLEARCONNECT CHECKING account under the same offer after BBVA informed me via email that " We Messed Up! '' opening the prior application. BBVA confirmed back via email that my second application was processing. 

XX/XX/XXXX : BBVA sends me welcome email to my new account. 

XX/XX/XXXX : I met the final term of the offer by having my employer direct deposit my paycheck with a requisite amount within the 60 day stated time period to qualify for the offer. The other terms were met like new customer, one per household, account type, and opened online. 

XX/XX/XXXX : The offer terms state {$200.00} should have been deposited by this day which was 60 days after XX/XX/XXXX. The promised bonus deposit was not made. 

XX/XX/XXXX : I sent an online secure message asking about the missing {$200.00} bonus. 

XX/XX/XXXX : After not hearing anything from the secure message, I called customer service. After being told I do not qualify due to my state of residence and due to opening the account online despite the terms and conditions saying otherwise, a gentleman ( manager escalation ) opened a ticket to resolve the issue 'within 5 business days '. 

~XX/XX/XXXX : 'Mark ' replied to my online message saying another ticket was opened regarding the matter and that should be resolved in 24-48 hours. This reply is backdated within BBVA 's messaging system to XX/XX/XXXX. 

XX/XX/XXXX : After BBVA failed to meet both deadlines from my two open tickets, I called back customer service. The representative states I did not qualify for the offer because BBVA did not open my account until XX/XX/XXXX. I stated there was no possible way for anybody to sign up under the offer if BBVA took 2 weeks to open the applications and they used the date BBVA opened the account rather than the customer. This representative further tells me she can not assist because the group that handles this type of issue is closed for the day and I would need to call back. She claimed to be opening a ticket but no ticket number was provided. 

XX/XX/XXXX : I submitted this complaint to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I  demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I Purchased a new roof for my home from XXXX 's XXXX XXXX on XX/XX/2017. I received several estimates prior to going with Lowe 's. I went with Lowe 's because I trusted they would likely stand behind their product and services and additionally they provided a 10 % discount to veterans which I fall in that category. My original estimate was approximately {$9000.00}. After speaking with the Pro Desk salesman, and talking about the decking that is common for houses in my neighborhood at the age of my house 50 years, I was told that Lowe 's would not be able to do my job without continuous plywood decking. That added an additional {$10000.00} to my job. My new quote totaled out to {$19000.00}. This is with an estimated 46 squares of shingles. After discounting was applied at {$3600.00}, I walked out with a total of {$17000.00}. 
I ended up calling my local county building code inspector who verified with Lowe 's that the additional decking was not needed or required. I informed the salesman from Lowe 's that I did not want or need that additional decking and was told that it would be returned with all the unused product. Every other roofing company including Lowe 's included 400sq.feet of additional wood for repairs when the old shingles were removed. Lowe 's used 400 sq. feet of decking on my garage roof area with the job. At completion, I returned 125 sheets of plywood decking out of 140 sheets. I returned 25 packs of shingles, 2 rolles of 4 synthetic roofing felt and several ridge vents. I was told it ended being 40 squares used. That was 2 squares over what other roofers estimated. After returns, my total ended at {$12000.00}. This is a 30 % markup over every other estimate. I got a total of 6 estimates before settling on Lowe 's. This should've been a {$9000.00} project.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: M&T BANK CORPORATION
State: OH

Complaint narrative:
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
MT BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.

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 2018-03-15 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: CA

Complaint narrative:
I have filed Bankruptcy for more than 10 years now, and it still shows that I still have a bankruptcy on my record. That's the reason I can't get a higher score until now. I've been paying all my credit cards and still shows a low score. I don't even get a credit card on some department stores until now. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We were just denied a do-able refi because the credit reports showed 2015 delinquencies reported by BOA. We do make payments on a home equity loan to BOA, but have never missed a payment or been late - ever. BOA modified this loan years ago. We can prove BOA received and deposited 12 checks from us in 2015, every month on time, as always. We see no reason for BOA to cause us financial hardship by falsely claiming arrears when there were none. As long as this falsehood is being reported we will never be able to get a lower payment on our home. We are seniors on a fixed income, with provable income, 35 % equity, a history of no late payments - but BOA has ruined our chances to modify our home mortgage. 
.

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 2018-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Back in XXXX or XXXX of XXXX I called navient to try to get my payments lowered but the only option that I was given was forbearance, which would only tack on interest to loan. I felt that was only option because that was only one offered to me. I had done this consecutive times and was not given other options.i requested this same thing back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled a copy of my credit report and noticed that there are several inquiries being reported on my credit report in error. I have sent 2 letters to Experian Credit Report agency via certified mail requesting removal or to provide proficient validation of the inquiries. They have failed to comply with my request. Before I seek damages, I'm filing an official report now as a last request. It is my understanding that the FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX  XXXX XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4.  XXXX XXXX XXXX XX/XX/17 5. XXXX  XX/XX/17 6. XXXX XXXX XXXX   XX/XX/17 7. XXXX XXXX XX/XX/17 8. XXXX XX/XX/17 9. CBNA XX/XX/17 10.  XXXX XXXX XXXX XX/XX/17 11. XXXX XXXX  XX/XX/17 12.  XXXX XX/XX/17 13. XXXX XX/XX/17 14.  XXXX XX/XX/17 15. XXXX  XX/XX/17 16. XXXX XX/XX/17 17.  XXXX  XX/XX/17

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 2018-03-15 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: SC

Complaint narrative:
Beginning in late XXXX I applied for a loan. I knew that I had placed a freeze due to Equifaxs security breach. I attempted to remove mine and my wifes freeze in order to obtain the loan but needed a security pin to do so. A pin I never received. I have requested for the pin 3 times. Two via phone and one in writing, but yet they still do not know where my wifes or my pin is, and can not unlock my report so I can get a loan. It is now mid XXXX and still no Pin. THEY ARE PUTTING A FREEZE ON MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Loss of a job, car broke down. Now they're calling my friends and sharing with them my debt information. I have the voicemail to share

Company response to consumer: Closed with explanation