vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX My account reference Number : XXXX This company runs the accounts for XXXX XXXX a health club that automatically deducts a membership fee every month. This is fine since I signed the contract, however, when calling to cancel and talking to a representative that took express detail to ensure she called up the correct account I now have to write a letter and wait at least 30 days after the letter is received to cancel my membership. This will ensure multiple payments are additionally charged to my credit card. This should have been handled immediately on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XXXX, 2017, I noticed XXXX unauthorized charges on my checking account as follows : {$50.00} at XXXX {$110.00} at XXXX XXXX {$110.00} at XXXX Shoes I did not recognize any of these charges and immediately contacted my bank and requested my card to be blocked and replaced. My bank indicated they would investigate the charges. 

At some point between XX/XX/XXXX-XX/XX/XXXX the charge of {$110.00} disappeared ( or " fell off '' ). 

At my request, my bank issued a provisional credit of {$160.00} to cover the {$50.00} XXXX charge and ( erroneously ), the {$110.00} XXXX XXXX charge. At the time, I did not notice that they credited me for the charge that had fallen off ( {$110.00} ), rather than the one that stayed ( {$110.00} ). 

I received a reply from my bank this morning stating that they had concluded in their investigation that they determined the XXXX charge was valid and the {$50.00} provisional credit would be reversed. They also stated that the XXXX XXXX charge of {$110.00} had fallen off, so that credit would also be reversed. There was no mention of the {$110.00} charge that remains on my account. I do not know if this charge was investigated or not. 

My bank is XXXX XXXX ( XXXX ) XXXX www.simple.com The length of time this entire investigation took as well as the mistakes made by simple are very concerning and could be costly to me if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.

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 2018-01-09 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: CA

Complaint narrative:
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.

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 2018-01-09 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: CIT BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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:
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XX/XX/XXXX2017.  For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: IL

Complaint narrative:
On XXXX XXXX I XXXX XXXX had notice that there were some unauthorized transactions charges made to my bank of america account. I contacted the bank ( Bank of America ) immediately concerning this matter, and file a dispute. I contacted XXXX and they were n't able to verified a account under my name social security, phone number, email address, I ask them why was they taking money out of my account every month. I do n't have a contract with them and I do n't receive no services from there company This is fraud Bank of america said they put a stop were XXXX ca n't take no more money out of the account. Later in XXXX or XXXX XXXX I notice XXXX again took more money out the account. I contacted the bank again concerning this matter ( Bank of America and spoke with a XXXX XXXX XXXX XXXX she 3 way called XXXX they still were n't able to verified me having a account with there company. On XXXX XXXX, XXXX Bank of America contact me and said they have completed this and as a result the temporary credit that was issue to me in the amount of XXXX will be removed on XXXX XXXX, XXXX from out of my account. This is fraud I have contacted my bank concerning this matter, and I still not be held accountable to pay someone else bill. My debt card Driver License keys was stolen in XXXX XXXX this was reported. Bank of America should safe guard my money at all times FDIC I do n't have a account with this company and never had a account and I never gave permission for no one to use my account to pay another person bill off my household have XXXX XXXX XXXX services Cable, Phone, and internet I need my money back plus all the fees Bank of America made me pay I have filed a complaint with The Illinois Attorney General and Federal Trade Commission Center concerning this matter my contact telephone number is XXXX XXXX report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX fraud claims XXXX Federal Trade report # Identity theft 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 monetary relief
Consumer complaint received 2018-01-09 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX is blocking me from enabling external applications. I want access to enable such applications.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: SC

Complaint narrative:
The account was open XX/XX/XXXX the amount due is {$360.00}. Ive never purchased gas. Ive called in the past to dispute this account and nothing was done. I have Called again on XX/XX/XXXX to dispute again and nothing happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Security Credit Services, LLC
State: TN

Complaint narrative:
On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: NJ

Complaint narrative:
Equifax and XXXX are not updating my credit report for one negative item. Equifax and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. Equifax and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: CA

Complaint narrative:
At the end of XX/XX/XXXX, I received a CitiBank issued credit card co-branded with XXXX XXXX offering XXXX miles after spending {$7500.00} over 3 months and the privileges of access the Admiral lounges. The annual fee is {$450.00}. In XXXX and XX/XX/XXXX, Citibank launched a credit card promotion with XXXX XXXX which is widely promoted in the XXXX airline cabins. The benefits offered are XXXX miles with {$3000.00} spent in 3 months with the first year fee of {$95.00} waived. 
I called today offering to give back XXXX miles to XXXX and Citibank and to have the {$450.00} fee reimbursed and the card cancelled. Citibank refused to refund even if I cancel the credit card. Citibank claimed that they have a policy of no refund after 37 days while a consumer can dispute a charge billed within 90 days. Citibank is setting a more restrictive refund " policy '' to their own advantage. 
One card was offered with {$95.00} annual fee waived while another premium card fee has to be paid upfront with limited recourse for refund if the card holder is not satisfied with the services and benefits received.

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 2018-01-09 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: FL

Complaint narrative:
In XX/XX/XXXX I had previously informed the Trans Union that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXX under affidavit number XXXX after repeated attempts to delete them via Trans Union in XX/XX/XXXX Trans Union are still reporting it today. 

This will be my last attempt in requesting that Trans Union remove this account from my credit file. Since Trans Union insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and Trans Union have failed to remove it, for this reason I request the assistance of the CFPB.

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 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MO

Complaint narrative:
XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: CNG HOLDINGS INC
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One 360 is a terrible bank that likes to lose customers for no apparent reason!

Company response to consumer: Closed with explanation