vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.

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 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX check amount {$48.00}. I closed the account due to fraud. Need this to be removed and deleted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: MA

Complaint narrative:
Morning .... 
My Experian credit report shows an employer that is unknown to me. I file
d two disputes with Experian and they are unwilling to correct. 
This employer is only identified by 'XXXX ' without any other details. 
A XXXX search comes up blank and Experian has/will not provided me with any further details of who this might be. 

Thank you.

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 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation
State: FL

Complaint narrative:
I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!

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 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 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: MS

Complaint narrative:
XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...

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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/2018 I received a letter from Pennymac stating our monthly payments would go up due to a shortage in our escrow account. The letter stated to tear off the bottom of the letter and send a check for almost 2000.00 in order for the monthly payment to stay the same. I tore off the coupon, wrote a check and sent it in. Since then the money went into the account but not toward principle / interest and not toward escrow. I have called 3 times, spoke to supervisors, was promised call backs I never got. My money is not in my account, my payments did not go down and I feel like this company does not know what they are doing. I want my account to now be audited for miscalculated overcharged interest as well as for mistakes on their part. I want my escrow money deposited into my escrow account and my payment reduced. I am attaching a cashed check that shows it was written XX/XX/18 and deposited in early XX/XX/XXXX. It is now XX/XX/18 and my account needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount 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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Why don't you want to work this matter out? I have paid you the entire collections amount and them some. All I want is an understanding of what type of interest you are charging me. I totally get the 12 % annum but I need the break down because this debt balance is way to high. What is the daily interest compared to the yearly and if its the same please provide break down and a copy of the NFCU policy on adding interest? Please provide policy on how defaulted interest is applied when payments are less than original agreed upon payments. Please provide policy on when an account is charged off why don't NFCU send monthly invoices when you still have the defaulted account on your records. Your Attorney is very unreasonable and they don't respond to my questions when asked and in the past neither have you for what ever reason. I want to get pass this once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.

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 2018-03-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove

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 2018-03-01 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:
My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
U.S. Bankruptcy Court Date Filed XX/XX/2011 Chapter XXXX bankruptcy discharged Reference 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 2018-03-01 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: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I had an unauthorized charge on my Debit card for {$840.00} on XX/XX/XXXX. I filed a dispute with my Bank ( Huntington ) when i saw the transaction on XX/XX/XXXX this is a second account and i manage my funds using a checkbook not online, and in 5 days they declined the dispute saying that the charge was only 12 miles from customers home address. That is the only reason that they gave for declining it. And i am now out XXXX dollars. I have tried to go into a branch and figure out more about the merchant ( XXXX ) but no one can tell me anything. I have tried filing a disupite again in a branch but no one seems willing to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been with american express for years. on tues of this week i called to ask about point redemption for my every day card was told i could get a statement credit. whichis what i want. I called on Wed was told this was not right that i do not have a qualifying purchase. She did not explain. i got disconnected i called back. this is all my time. Today i am told i can only get a gift card. this is after the CS rep tells me i do not have enough points to do anything which was incorrect. Bottom line my time is wasted and i am more confused than before. its not worth using this card then so many different answers. being disconnected and then i still have nothing. please do something for my time lost and confusion caused you would want if you were me. but over ; all the promo program is not beneficial to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: AR

Complaint narrative:
Equifax : I've disputed multiple on my credit report that XXXX XXXX XXXX doesnt belong to me, i verified with XXXX that i have no charge off accounts and i'm in good standings with them. My question to Equifax is why does a charge off from XXXX keep showing up on my Report???? after disputing it multiple times? 

Also Equifax said my info was out there on the dark web from a so called website : XXXX / i've contacted my local FBI and starting a report with them. 
They did nothing to help me with that, also they told me my data has been compromised from the Breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX. 
the XXXX got in full payment for principal. 

I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed. 
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law. 

The XXXX still keeping old pre BK info and statements and still asks me to make payments. 

I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law. 
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX. 

I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX. 
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure. 
They can not ask me for payments and now I will contact attorney about this.

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