vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On or around XXXX, XXXX, I applied and was granted a XXXX credit limit with American Express and transferred another credit card balance less than XXXX. Since then, I have made the minimum payment plus interest each month as indicated on my account. 
On or around XXXX XXXX, I forgot to make my monthly payment to American Express and have was fined a late fee of {$38.00} thus making my payment due immediately of {$62.00}. On XXXX XXXX, I received a phone call from a CSR from American Express to remind me of my payment due, to which I agreed to pay once I arrived home. Upon logging in to make the payment I noticed my credit limit decreased tremendously from XXXX to XXXX. I then called American Express to obtain verification to the change in credit limit and was informed that the change was not set in stone and that I can appeal to reverse the changes. The CSR rep was confused as to why my credit limit was decreased quoting that " he has seen other accounts in way worse condition, and should not have happened and the reasons they gave are questionable ''. I was then transferred to the Responsible Lending Department. Apparently, the Responsible Lending Department issued a change due to the FICO credit ( XXXX ) and the payment each month to balance were to high. I owe {$2200.00} which does not reflect the monthly payment made of {$62.00} that includes the {$38.00} late fee. After speaking with the Responsible Lending Department representative, he informed me that my option are to pay {$1100.00} between XXXX XXXX and XXXX XXXX and it would be best to use the card more often. According to my math, this is means paying appx {$340.00} per month. The Responsible Lending Department representative reported that my options are to make the payments or complete the document option which requires going over my financials. I am puzzled at their tactics in attempt to bully me into making a {$340.00} payment when the monthly payment amount does not reflect what the Responsible Lending Department representative stated is within their policy. I asked the Responsible Lending Department representative about the appeal/reverse option to which he stated the two options mentioned were the only ways to reverse my credit limit decrease. If I had known that not maxing out my American Express card would result in them bullying me and holding my credit limit for ransom I would have sought out other prestigious credit cards elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I've requested my XXXX  account closed several weeks ago, as far back as XX/XX/XXXX, remaining balance refunded back to me in the amount of XXXX. To date, the account is still open and balance still showing, nothing refunded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
New car purchased XX/XX/18.Preapproved loan with Honda Financial Services showing approval for new loan taken to dealer which was XXXX XXXX in XXXX, Ohio. Search for new car completed online using XXXX XXXX as a tool to try to get the best deal for car. Told by internet manager XXXX XXXX that once loan was approved she would receive approved loan application. Loan rate that I applied for online with Honda Financial Services was 1.9 % rate. Went into dealer and was told that the loan rate did not apply to the amount of months that I was financing for. I have written rate and months that I applied for and was still told that it did not apply to my purchase. The financial manager said that the rate that I would be financed for was 2.9 % evening after showing the approval amount and the rate and months applied for online prior to going into the dealership. The finance manager signature can not be read. I tried to contact the dealer to get his name but was not successful. He told me at the purchase time that he will make it work to base the new loan payment to be the amount of my previous loan amount of XXXX dollars. 
I was contacted online to complete a survey regarding my experience. I tried to be fair and honest about how I felt the transaction had went. I also received a phone call shortly afterwards asking how I felt about my experience at XXXX XXXX of XXXX, Ohio and told the person that I had completed an detail survey which was very lengthy. 
I contacted Honda Financial Services which had to be done by mail showing all of my documents from them when I applied online for the car loan and was told today that Honda Financial Services work independently from the dealers and that I would have to go back to the dealer XXXX  XXXX regarding the change of the loan rate. 
I am just trying to find out why the finance company and the dealer do not honor the rate after the customer apply and is approved for the loan. 
As I stated previously I have documents showing my approve rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
CHASE CLOSE MY XXXX VISA SIGNATURE CREDIT CARD THIS ACCOUNT ENDING IN # XXXX ON XX/XX/XXXX TH AFTER I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES TO SEE IF MY ACCOUNT WOULD REOPEN OR STAY CLOSED. MY ACCOUNT FOR THIS CREDIT CARD IS NEVER LATE ON PAYMENTS SINCE ITS BEEN OPEN ABOUT 6 MONTHS NOW. THIS ACCOUNT HAS NEVER BEEN LATE. WHY WOULD CHASE TARGET MY ACCOUNT FOR CLOSURE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: MA

Complaint narrative:
I am writing to dispute the information that appears on my Equifax consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: MA

Complaint narrative:
I am writing to dispute the information that appears on my TransUnion consumer 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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made six separate transactions on XX/XX/18 of {$20.00}, {$100.00}, {$100.00}, {$60.00}, {$20.00}, {$50.00} with the denominations of {$10.00} for all the transactions and received the exact amount withdrawn, nothing less or over. The problem occurred on XX/XX/18 when Bank of America made five unauthorized withdrawals from my account of {$20.00}, {$50.00}, {$60.00}, {$100.00}, {$100.00} ( total of {$330.00} ) stating " Crossload XXXX  's in {$10.00} 's ''. 

When I called customer service and spoke to the Bank of America fraud department, I was told that the ATM that I used loaded {$20.00} bill denominations into the {$10.00} bill slot and they stated that I received the {$20.00} denominations instead of the {$10.00} denominations, which is untrue. 

I filed a claim against Bank of America and the first claim made was for {$270.00} ( out of the {$330.00} total ) and the second claim was for {$60.00} ( out of the {$330.00} ). The second claim ( {$60.00} ) was paid but the first claim ( {$270.00} ) was not paid due to the reasoning they used stated previously. 

In conclusion, I was only able to recover the {$60.00} out of the {$330.00} that was mistakenly taken from me by Bank of America. If the {$60.00} was paid to me, the rest of the money ( {$270.00} ) should be paid to me as well, as they were originally part of the same transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am having issues with inaccurate addresses on my credit file. 
Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These numbers are not mine please delete. 
Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have been paying a little extra on my XXXX  for years. I realized at the end of the loan ( last payment due XX/XX/19) that the payoff amount didn't seem correct. I have been calling and emailing since early XXXX. I was mailed an incorrect payment history. I contacted XXXX and was told to call. The first and supervisory agents appeared to pretend they didn't understand the problem. I think they were trying to frustrate me ( XXXX and XXXX ). Later agent XXXX refused to let me speak to a supervisor. He said he was emailing a corrected payment history. He read off corrected amounts which I verified by my emailed receipts later. I have never received the corrected payment history. I called again and XXXX XXXX said the order was placed for the corrected payment history and that it should come by Monday. I emailed XXXX   Sunday when I received a bill, and they say I have to call. It is Tuesday, and I have no corrected payment history in my email box. I need to see a corrected payment history with my amounts applied and interest reduced each month before I know if the payoff amount is correct. This email/phone calling has been going on for over 1 month. They are harassing me at work with phone calls during the work day even though I told them to call after XXXX CST because I was teaching. I have my phone on for alerts or emergencies. They have called 5 times during the work day yesterday and today. They were told I was a teacher and not to call before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation XXXX XXXX XXXX XXXX under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Loan BBVA Compass : Credit Card XXXX XXXX : Auto Loan XXXX XXXX XXXX : Credit Card XXXX XXXX : Business Credit Card I do not know if there are other accounts opened under my name. I have checked my credit and has dropped significantly under 500 because delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My wife, my sister and other family members are victims of XXXX XXXX identity theft and fraud. 
I do not speak English, only XXXX. My son is assisting me with translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my  Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. 

I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. 

I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. 

I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/18 a check for {$400.00} cleared my checking acct that was written for my credit card payment. The payment was never posted to my credit card and never refunded to my checking account. Ive called my bank 3 times and visited 2 different branches in person and have yet to get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
CHASE BANK CLOSE MY XXXX XXXX MASTER CARD THIS CREDIT CARD ENDING IN XXXX ON XX/XX/2018 I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES WHICH I DID TO SEE IF CHASE WOULD REOPEN MY CREDIT CARD. I WAS INFORMED MY CREDIT CRAD WOULD REMAIN CLOSED. ALL MY PAYMENTS ARE PAID ON TIME NEVER LATE .WHY IS CHASE BANK CREDIT CARD SERVICES TRAGETING MY ACCOUNT FOR CLOUSURE? ALL MY ACCOUNTS WITH CHASE ARE PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX & XXXX, XXXX I had XXXX  tests conducted at a hospital which I charged to my VISA credit card. The cost was {$340.00}. 
I was told I would be contacted in a few days about the results. 
I was never contacted and since then I have made 7 failed attempts to get the results of the tests from the hospital. 
On XX/XX/XXXX I began the dispute process with the credit card company. 
On XXXX XXXX I mailed back a questionnaire with details to the credit card company. 
On XXXX XXXX, having received a response from the credit card company that the merchant certified that the services had been rendered, I mailed a rebuttal letter to the credit card company saying that although the tests were conducted, there is no sense in having tests done without getting the results, and requesting that the dispute be upheld. 
On XX/XX/XXXX I received notice from the credit card company that they were rejecting my 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