vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 I made a payment via Bank of America online app to a credit card account for {$320.00}. On XX/XX/2021 that payment was " TRANSFERED '' by the bank to another different credit card belonging to me without informing me. When I received alerts from the bank advising that the original account was " past due '', I contacted BofA via telephone at the customer service 800 number on XX/XX/2021. The representative referred me to the credit card division at XXXX which I contacted via phone at approximately XXXX XXXX. The first representative that that I spoke to, could not resolve the problem at which time I requested to speak to a supervisor. After more than 15 minutes on hold I was connected to a young lady who identified herself as XXXX, the supervisor. In an effort to resolve what I believed to be a minor problem, this young lady requested my entire 9 number social security number and my full drivers license number. She sent me codes on email and text messages, to which I responded. As she was still unable to resolve this issue, I requested yet another more senior supervisor. After another 13 minutes on hold XXXX returned to advise me that there was no other supervisor available. This unnecessary ordeal was a waste of 1 hour and 35 minutes of my time as well as the banks.

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 2021-10-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
The collection agency CONSERVE attempted to aggressively collect student loan debt from me. They purchased my federal student loan debt privately. I never received written notice related to the debt at all. I never admitted to the debt. I called CONSERVE and they agreed to stop contacting me and harassing me if I paid the amount in full, and also to delete the account from XXXX, XXXX, and other credit agencies. Instead, they took my money, applied it to settle the debt without my permission, and neglected to delete the account from pertinent credit agencies. I contacted the company and submitted disputes at least 5 times and they repeatedly lie about our arrangement and refuse to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
The fees are outrageous on the loan. They do not communicate that with you before sending the funds the APR 460 % which is illegal in North Carolina. There is a {$2000.00} finance charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX  up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. 

During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. 

I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. 

As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. 

In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused.

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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Around XXXX XXXX, I received a letter from Chase JP Morgan Chase Bank, N.A., indicating that they approved my recent application for a new Southwest Airlines Visa Platinum account. I have never, currently or recently had or requested a Southwest Airlines Visa Platinum card. In the letter, they go on to state in order to approve my request, they have made adjustments to my other accounts. The letter goes on to state why they adjusted my accounts, and how. The letter then advises me what to do in the event my accounts were closed, and information regarding my reward activity. 

During the week of XX/XX/XXXX, I received an envelope containing the following : *2 Southwest rewards Visa cards. *Undated Rapid Rewards Plus Rewards Program Agreement and welcome letter *Card holder agreement rates and fees table *Information from Chase ( Rev. XXXX ) regarding sharing personal information. 
*Pamphlet Welcome to Chase XXXX Your card member agreement *Pamphlet : Guide to Benefits. Effective XX/XX/XXXX In regards to the credit cards which I did not request, they were printed with my name on one of the cards, and a XXXX XXXX on the other. I do not know a XXXX XXXX, but on XXXX  him, I noticed a XXXX XXXX who could be in my age range and passed away in XXXX. 

When my father passed away, I had inherited an Annuity from XXXX XXXX. While we have since moved these funds from XXXX XXXX, earlier this year we received a letter stating that they had a security breach during the tenure of our account. As a result we were advised to take advantage of free security services. While I had some reservations, I did share my personal information with the security service. I am currently looking for my documentation for this service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a rental car through Chase XXXX  Rewards. I used my points to pay for the 1 week rental from XXXX for a value of {$410.00}. A few days later I looked at my recent transactions and there was an additional charge of {$600.00} from XXXX ( the rental card company ). I called Chase and the XXXX Rewards team told me that there were other fees attached to the rental that they could not cover ( upgrade to a better model, which the salesperson on site told us was a " free '' upgrade, an airport surcharge fee even though the rental car is not kept on site at XXXX, and another fee that the customer service person had trouble explaining ). As part of the Chase Sapphire XXXX card, customer service is supposed to work on your behalf to assist in travel matters, like incorrect billing. After waiting for 40 minutes, the customer service represented told me I needed to call XXXX directly. In addition to that, they said they were under no obligation to pay for additional fees. I understand they are not obligated to pay for those fees but the total price of the rental car was more than double what I used my points for and none of this was represented transparently when I checked out. Had I known that {$410.00} in points wasn't even going to get me half way to the total cost of the rental, I would have approached it differently. I believe Chase is misrepresenting the value of their rewards points programs and not explaining clearly to consumers the true cost when purchases are made. Additionally, they are not providing the travel concierge services ( which is $ XXXXyear ) that they are advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2021, I accepted a promotional offer from Citibank, N.A., for a " Flex Loan '' for the terms of 24 months at 8.99 % in the amount of {$2400.00}, with fixed monthly payments of {$110.00}. 

On XX/XX/XXXX, Citibank moved my account balance in total ( {$2400.00} Flex Loan + {$2300.00} revolving balance ) from a promotional APR ( previously unknown to me as my account balance is paid in full monthly and no interest is ever charged ) to the standard purchase APR of 19.99 %. 

On XX/XX/XXXX, a payment in the amount of {$3600.00} was made to account by due date. The amount was intended to cover the previous statement balance of {$3400.00} + {$210.00} toward the {$2400.00} Flex Loan balance, with 8.99 % APR for 24 months. 

On the statement dated XX/XX/XXXX, I have been charged interest in the amount of {$59.00}, despite revolving balance being paid in full each month and agreed to Citi Flex Loan terms of {$110.00} ( I have been paying more than this amount ). 

Citi is charging interest at 19.99 %, not the agreed to promotional terms of 8.99 %. 

This case of deceptive advertising and lending practices is unacceptable.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
My identity was stolen and used to open a fraudulent account XXXX {$1600.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open 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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not recognize these hard inquiries on my TransUnion credit report XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either 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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I never gave EQUIFAX my consent nor written instructions to furnish these accounts and inquiries onto my consumer report. Thats a violation of 15 U.S. Code 1681b permissible purposes of consumer reports ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Since the accounts and inquiries are deleted, a deletion is admission. EQUIFAX willfully failed to comply with the requirements imposed under 15 U.S. Code 1681n ( b ) civil liability for willful noncompliance. My consumer report was damaged and I am seeking monetary relief. The evidence as well as my invoice is attached. I expect to hear from EQUIFAX or EQUIFAX 's lawyer soon to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waterfall Revenue Group
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I am a victim of Identity theft. In XXXX 2021. I received bank statements claiming they were my accounts from XXXX XXXX. I disputed with XXXX XXXX, they investigated. They sent me a letter stating they were to remove any and all info about me from the CRAs. In XXXX, same thing happened. They opened accounts in my name, I disputed. They sent me a letter stating they were to remove all info reported about me. 

I reported ID theft to FTC, XXXX, CRAs. Early warning is still showing information being reported from XXXX XXXX. 

I want the info removed. As stated and agreed. 

I have invested too much of my personal time dealing with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021 my checking account was overdrawn about {$8.00} and change, I transferred the amount to cover that and bring my account up to XXXX cents by XXXX which I was told by a representative is the cut off time. On XX/XX/2021 I noticed I was assessed a {$35.00} overdraft fee and that my online banking transactions had been ordered in a different way than the night before, making my account negative {$4.00}. I called Bank of America twice to resolve the issue and they said that the overdraft fee was valid and that they can not reverse it. Spoke with manager XXXX ID # XXXX who stated that she can not reverse overdraft fee as per computer system not allowing her to.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. AXXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
My issue is with Ocwen Loan Services/PHH Mortgage XXXX 

We had two loans and one was charged off The first mortgage had a modification done to it and the second did not and we were not able to get the second modified. 

The HAMP Obama law that was passed was if the first mortgage is modified the second mortgage it is mandatory to modify it. 

This did not happen we were never able to get the second modified. 

Can you ask Ocwen did they not know the proceeders to modify the second after the senior mortgage has been modified. 
I would like a written response to know what happened. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on XXXX and one that I am aware of at this time on Experian. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my Experian Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both XXXX and Experian say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.

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 2021-10-13 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: Granite Edvance Corporation
State: NJ

Complaint narrative:
I have had interest capitalized that I do not think I should have owed being on the REPAYE plan. I think this was mishandled and no one over the phone has been able to accurately explain why I had over XXXX capitalized since 2014.

Company response to consumer: Closed with explanation