vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/2019 I filed complaint number XXXX against Bank of the West. None of the actions described in their response received XX/XX/2019 have been honored. Instead Bank of the West sent me to the collection company XXXX XXXX. XXXX XXXX is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the BotW representative named in the reponse letter, have failed.

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 2019-10-18 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I went into a bank to open a checking account and after opening the checking account i inquired about a load. They recommend to me a sba microloan. I say down with the loan officer. The loan officer proceeded to fill out the application and ask me a few questions to complete the loan application. I had asked if a bankruptcy over 2 years old was an automatic denial they replied no. So i signed my name to it without reviewing what the officer entered. They said the application would be immediately submitted that day and I would have a response by XXXX the following day. Around XXXX the next day they called me and asked me to sign another spot on the loan of that was transmitted to me thru email. I did and emailed back to them that night. The next day and they said I was denied because of the bankruptcy verbally over the phone. I went to the SBA website to review conditions to qualify for a microloan and to my understanding discharged bankruptcy over 2 years was not grounds for disqualification and also saw than my fico score was within guidelines. The next day I went in with tax records and bank statements to submit and ask for reconsideration and offered collerterial to cover the difference of the SBA guarantee so that they would be secured 100 percent of the loan. I waited till an officer was available to plea my case and during that the branch manager introduced herself to me very loudly and said there is no reconsideration and our voices escalated to where everyone in the bank could hear. I was afraid that she may call the police on me so I exited the building. When i got into my vehicle she was standing outside watching me. I guess she had followed me. I called TD bank customer service to talk to a business account manager and explained what had just happened without naming names or branch location. He assured me that someone would contact me to hear my request for reconsideration. They never called back. I did get a call through from the manager who threw me out to apologize for her behavior. When I received the decline letter i was bankruptcy but after researching sba loans it is my understanding that the SBA also has to provide an adverse action letter as well which I never received. My complaint is I don't know if the application was filled out properly having the right information on it i signed. The behavior of the bank manager. The reason for adverse action that was not supplied to me from SBA and not being able to plea my reconsideration. The bank representative was bank manager XXXX at the XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My credit limit with American Express was lowered overnight to reflect that I had already spent an amount over the new limit. This is illegal under the The Credit Card Accountability Responsibility and Disclosure Act passed in 2009. 

I called American Express for assistance with my account but they refused to assist me and instead asked me invasive questions to " verify my account '' that I had never been asked before. When I informed the agent that I called with my own questions not to answer hers, she refused to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
two FRAUD ACCOUNTS listed on my credit report ( XXXX - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at Experian laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have disputed information with XXXXXXXX XXXX. They closed account and showed XXXX balance and placed foreclosure on report which is not correct. When I disputed account they then reopened account showing a balance and deed in lieu and 6 miss payments. They did this in order to hurt credit.

There is no deed in lieu. I don't have 6 miss payments and. The account should show XXXX balance owed All information reported is inaccurate and must be deleted. 
And I do have email confirmation on my dispute with 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 explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I have sent one complaint about this company and it was not resolved to my satisfaction. I will pay the debt but due to the fact I have never received any notice of the debt or any reciept in the mail for my first payment. I am sending my next payment in a few days and wonder if I will get a reciept in the mail as well. I believe that the company should remove the collection info from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit management has filed a lawsuit against me and I have no knowledge of who they are. I have never signed a document owing them anything. They have also never reached out to try to settle this supposed debit. I tried paying a settlement amount when I got the court paperwork and they wouldnt take anything less than full amount. I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: OK

Complaint narrative:
I sent a fraud affidavit to Equifax on the student loan there reporting on my credit report and they refuse to remove or investigate. They continue to report an item that I have never had no signed for. They us depart responded to affidavit that they could not find no contract for that account. 
I'm not going to state federal laws. But Equifax is reporting and not correcting they fraudulent account. Which is going to leave me no choice but to file a federal law suit in this matter. XXXX removed the account and XXXX  removed the account. But Equifax refuses to remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. 

This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a year long membership with XXXXXXXX XXXX using a CapitalOne GMCard on XX/XX/2016. At the time, I authorized a one time payment to pay for this membership in full. A contract was drawn up that showed I paid in full for that year. Two years later, I went back into the gym, and was told I could pay month to month. I gave them a different GMCard to pay for the first month. I never signed any paperwork. I was specifically not under any contract or obligation to them. I realized later that they had stored my credit card info and were charging me automatically on the new card despite my not having authorized it. When I finally had the chance, I called them and told them to stop charging my card. They demanded that I come down in person and fill out a request to cancel membership. I had just given birth at the time, and could not physically go to the gym. Furthermore, I had not authorized this charge, nor was I under contract. A contract signed three years ago and paid in full does not become binding again because I set foot at that gym again two years later. I called CapitalOne to dispute the  charges. XXXX responded to the with the contract from XX/XX/2016. On the contract, it clearly states paid in full. Furthermore, it has a different credit card number, which was the one I authorized them to use for the one time annual fee. This was not the one with the disputed charges. CapitalOne kept demanding paperwork from me that I did not have. I can not prove that I didnt have a contract ; I can not provide documentation that doesnt exist. I called CapitalOne and, at the request of their rep, wrote and submitted a letter explaining why I couldnt produce the paperwork they requested. A week later CapitalOne sent me a letter saying that my dispute was denied because the 14 day period in which I had to produce the paperwork had passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The fact that this agency XXXX and the other two giants and all who gather information from them report inaccurately, inaccurate and untimely information is a fact! XXXX  had given me a free account but I am no longer able to access it even though they email me to do so -duh! I can not access their request to review my account This charade continues impacting me and millions of Americans every single day! XXXX  Membership ID # XXXX Member Sign In We blocked an attempt to access your account Because we value your security, we take this precaution after too many failed sign-in attempts. 

You'll need to reset your sign-in credentials to get back into your membership. If you've already successfully signed in, please disregard this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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 with product or service terms changing
Company: DRIVEiT Holdings, Inc.
State: CA

Complaint narrative:
I bought a car from Driveit financial in XX/XX/XXXX. The original remaining XXXX loan was charged off. The company the was sold floorit financial and additional XXXX has been added to my balance. This loan was apart of my discharged bankruptcy and should have been removed as of XX/XX/XXXX but is still on my credit with a balance of the XXXX. This account should have dropped ok my credit XX/XX/XXXX but shows it will be on my credit until XX/XX/XXXX. How is this possible. The company phone number is disconnected so I have no way of contacting them.

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 2019-10-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
two FRAUD ACCOUNTS listed on my credit report ( USAA - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at XXXX  laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
they keep charging overdraft fees on top of more fees the first charge was an bank error twice in one week is a bit much they barely give u a day to pay it back ( e.g. letting a check clear of other money services ) they post charges when they want to catch you in fees I want to pay the bank the {$18.00} I owe them they charge fees on top of fees its a cat and mouse game with a finical institute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.

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 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I refinanced my mortgage with Freedom Mortgage in XX/XX/XXXX. The closing process with Freedom Mortgage was problematic from beginning to end, as the company seemed unable to follow simple instructions. In the spring to XXXX, I received a notification from Freedom Mortgage that my escrow account was significantly underfunded in the area of {$1600.00} and my monthly payment was increasing by {$400.00}. I made repeated phone calls to the Freedom Mortgage and was told various answers each time : 1 ) my home owners insurance increased, 2 ) my real estate taxes increased or 3 ) there was a problem with my closing documents. After following up on their responses, all of Freedom Mortgages answers were incorrect. I also requested and received an Escrow Account Disclosure Statement from Freedom Mortgage which contained several errors and was difficult to  understand. I called Freedom Mortgage about the errors in the statement and was told there was nothing they could do. 

On my own accord, I initiated a review of my closing documents, there I identified an error in Freedom Mortgages Initial Escrow Account Disclosure Statement and noticed my real estate taxes were under-reported by 50 %. Meaning the initial monthly payment presented to me by the mortgage broker was grossly inaccurate and the total monthly cost of the loan was significantly higher than what Freedom Mortgage represented to me. If I had known the true monthly payment, I would have not proceeded with the refinance process. The loan was misrepresented to me. At this point, I have lost all faith in Freedom Mortgage to handle my loan as they have missed handled and misrepresented information at every stage of the loan process and are grossly incompetent. At this point, I would like to take regulatory and legal action against the company.

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 2019-10-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX response is fraud

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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I received an offer in the mail that if I open a checking account with chase, I will get a {$300.00} credit, if I make a direct deposit.before XXXX. I took a screenshot of what I received from Chase when I opened the account online on XX/XX/XXXX and I made a direct deposit from my other account on XX/XX/XXXX. I then called Chase a week later to ask when can I expect the direct deposit, I was told that it will come 10 business days after the direct deposit. After the 10 days have elapsed, I called them back again and this time they said the direct deposit has to come from either the government or employer. This was nowhere mentioned in their previous advertising or correspondances so, in my opinion, it is totally misleading customers, a total scam to trick them into opening an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
i tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done

Company response to consumer: Closed with non-monetary relief