vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Someone claiming to be from BB & T responded to my complaint number  XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters.  Time  is important. Attendance is a plus.

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 2017-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Dream Center Education Holdings
State: MN

Complaint narrative:
I was lied to by a school recruiter named  XXXX   (   XXXX   XXXX   ) w hen I had inquired about going to college for an  XXXX  of  XXXX   XXXX  degree. He stated the amount of student loans I would need would be no more tha n 15K  when I was completely done and graduated. This amount was not even close to the amount it was (  XXXX  ) after completion. I would never have went back to college if I had known the truth about the costs, but I was lied to. I worked very hard at school and graduated with a high GPA. I graduated in  XXXX  with my degree and was super excited to get into the work force with a new career after having been a single mom for years and then a   XXXX   XXXX   XXXX   XXXX  . This degree offered me everything I always wanted for myself, for financial freedom, it meant the world to me. I spent 3 years looking for a job related to the degree I worked so hard for and I still look, there are no jobs for me to use this degree. I feel duped, lied to and used to make profit for the government. I was pressured to go to school " To make your children proud of their mom '' was what the recruiter  XXXX  said to me on the phone. Now I am in a situation in which I am in a pay according to my income, which is at the poverty line, it hurts my credit and the interest has it u p over 50 K  now. I have been frauded and knowing what I know now, there is no way I would have went to school. If you can not help me with this, please send to whatever department that can help me expunge this debt as it was under fraudulent means!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After attempting to close a Chase Amazon credit card account I noticed that I had been charged over {$2000.00} in fees. Keep in mind that the credit card limit was only {$1000.00}. I have disputed the charges but I did not receive any results. It does not surprise me after leaving the military I had a auto loan that was automatically deducted each month. The problem was after I left the military the deductions continued after monthly deposits stopped. The account was overdrawn and before I noticed the account was sent to collections. I paid the day it was supposed to transfer to the collections company but Chase still reported the account to XXXX XXXX. My point being that Chase has a past of not talking care of even long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I paid in full XXXX $ to XXXX XXXX XXXX at XXXX on XXXX2017 by way of their online portal as outlined in XXXX XXXX XXXX. By XX/XX/XXXX I am receiving debt collection letters from Optimum Outcomes who states they now own the account, in addition to phone calls at least 6-8 times a day and weekends. The company has damaged my credit showing past due collections through credit reporting agencies with all accounts showing open and current collections. This has created significant damages against me, as I have been declined by a housing creditor due to the false information obtained in my credit report. I have disputed the matter with no resolution and disputing the matter through the credit bureaus additionally have shown no effect. This is not compliant with the Fair Credit Reporting Act.

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 2017-06-04 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: CA

Complaint narrative:
Regarding my prior dispute : XXXX TransUnion states the following : In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. DESCRIPTION OF NON-MONETARY RELIEF We reviewed your complaint and apologize for any difficulty you may have experienced. We have updated the personal information as requested. ********* It is the last sentence where they have mislead both the CFPB and me, as a consumer. I pulled up my credit report on XXXX XXXX, 2017.  They HAVE NOT updated the " personal information as requested '' ; which was, namely, to delete the wrong address on my account : XXXX XXXX XXXX, XXXX, etc. I believe that they are in bad faith because for them to delete it requires nothing more than deleting it. Again, they have mislead you and me alike. They have not updated the personal information as requested. Please, CFPB, pull up a copy of my credit report and you will see for yourself ( if they do n't finally do what they told you -- a government agency -- - and me what they were going to do ).

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 2017-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC
State: GA

Complaint narrative:
I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted numerous disputes about inaccurate accounts on my Equifax report. There are three accounts that have been removed and replaced on my credit report without my knowledge or consent. The two accounts are   XXXX   XXXX  ,  XXXX  &   XXXX   XXXX  . I have proof showing that these accounts have been removed but upon checking my report, shows that both accounts have been added again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Credit Card Account number ending in : XXXX  Bank of America Case number : XXXX Dispute charges {$97.00} and {$98.00} I ordered a sample of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00} & {$4.00}, respectively, on XX/XX/XXXX online. But I recived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the same brand ( XXXX ) on the Ad. Please see the attached picture.
<P/>
This company is not selling XXXX product. Please see the XXXX website : XXXX XXXX XXXX XXXX XXXX is selling for {$19.00} in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife tried the two samples for a few days and she found that they are no good ; they make her skin too dry and tight. So, I called them and cancelled the orders at ( XXXX ) XXXX on XX/XX/XXXX and their customer service rep confirmed that my order was cancelled but she didnt give me any cancellation confirmation numbers.
<P/>
Their ad mentioned that I could cancel this order within 14 days after I received it and tried it. This is an online order but they didnt provide any way to cancel this order online and could only cancel via telephone. It took over 30 minutes to talk to their customer representative.
<P/>
After the cancellation, one month later I found that there were two charges, in the amount of {$97.00} & {$98.00} on my Bank of America credit card bill. I called them again to protest the said two charges but their representative informed me that my account had already been cancelled and refused to provide a return authorization and return address.
<P/>
So, I claimed the dispute of charges and called Bank of America to stop the charges because the items were not the same as the online ad. Also, I had already cancelled my future shipment within 14 days after the first shipment. They also didnt provide any terms and conditions when ordering the items nor in the shipment and no information on how to return the merchandise and receive a return authorization and did not provide a return address.
<P/>
Bank of America promised to investigate this issue, but Bank of America failed and refused to resolve this issue and charged {$97.00} & {$98.00} without investigation.
<P/>
Please take care of this dispute and get a refund for {$97.00} & XXXX. I look forward to a quick action.
<P/>
Thank you.
<P/>
Sincerely yours, 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 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Exe Response Unit has sent me a copy of a falsified closing of a Heloc loan for XXXX XXXX XXXX XXXX.  The document was never seen by me before Citibank supplied it by email XX/XX/XXXX and has a signature for me fromXX/XX/XXXX but was not signed by me.
The document does not accord with the requirements of the Heloc department which has told me that they do not ask for social security numbers.
The document datedXX/XX/XXXX requests that the account be closed immediately Citibank variable rate account source sent by Exe Response shows the account open throughXX/XX/XXXX. I have supplied the document to the Citibank Heloc department attn XXXX ( supervisor ) for verification.
In XX/XX/XXXXper a letter of authorization Citibank was to produce all my documents to me.They failed to produce the mortgage for XXXX XXXX XXXX XXXX NY XXXX I have repeatedly requested these documents and have been told that they are not in their computer. I would like a copy of all mortgage documents including the closing and any loans.
This complaint is related to the complaint you investigated per the letter from the Attorney General concerning the false POA documents to XXXX XXXX  and several other lawyers used without my knowledge on Citibank mortgages.

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 2017-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
<P/>
Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
<P/>
Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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:
1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into my credit 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 non-monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor

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 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On Saturday   XXXX   XXXX   XXXX   I looked at an updated credit report and notice for negative accounts were re-inserted into my credit report. These four accounts were previously deleted and blocked due to ID Fraud. Equifax is re-inserting accounts that were previously deleted by the creditor as fraud and I have attached my supporting documentation.   XXXX   XXXX   XXXX   XXXX   was deleted back in  XX/XX/XXXX  and deletion form from them is attached.    XXXX   XXXX   XXXX   and   XXXX   XXXX   ar e fraudulent account and they were removed in  XX/XX/XXXX  and the deletion report from Equifax is attached along with the FTC Affidavit. Instead of adding my positive accounts that they have removed they are re-inserting negative fraudulent accounts that has been previously removed. There is something seriously wrong here. There is something seriously wrong with Equifax and their reporting incorrect and correct information. As I have stated in previous complaints about Equifax they are single handedly ruining my credit. They have no clue at what they are doing. Remove the accounts now!! I am going to lose the home that I am trying to purchase because of their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit System (    collecting for  XXXX  ) account #  XXXX  - states I owe {$380.00}. (  XXXX  )  XXXX  In    XXXX   XXXX   XXXX    I opened a cable account with  XXXX  for an extended cable package. My husband wanted a sport games Package. We went with  XXXX  because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or  two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with  XXXX   XXXX . That package was as pricey but they did deliver.  <P/> In   XXXX   XXXX   I discovered a negative reporting on my credit report. In  XXXX   XXXX   XXXX   XXXX   XXXX  reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service.  <P/> I called  XXXX  and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I  could FAX my b ill that  Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep  XXXX  said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old.  <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from  XXXX , we had n't moved and over 3 years later  XXXX  reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.

Company response to consumer: Closed with explanation