vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized amount of & XXXX from my checking account. I do all of my banking by electronic payments and immediately went into my XXXX Ohio branch. XXXX, one of the advisors there closed the compromised account and opened a new one. ( Closed account is routing number XXXX account number is XXXX ). New opened account number is ( routing number XXXX, account number is XXXX ). Thru bank error, and they even admitted this, my electronic payments were made from both accounts causing the closed account to be overdrawn. Subsequently, a direct deposit paycheck from XXXX XXXX XXXX in the amount of XXXX was attached by the bank to cover overdraft. All of my electronic payments/merchants were paid twice in XXXX. Included in one of those electronic payments was my truck insurance to XXXX and it was rejected because the bank sent it to the old, closed account. This in turn got my insurance cancelled on XX/XX/XXXX. On XX/XX/XXXX while at a doctors appointment, some unknown person damaged the passenger mirror to my XXXX XXXX XXXX XXXX XXXX XXXX truck and the estimate was {$1000.00}. I filed a claim with my insurance agent and the information was passed along. On XX/XX/XXXX I received an email from XXXX saying I had no coverage from XX/XX/XXXX to XX/XX/XXXX. I explained the bank error and it fell on deaf ears. None of this was my fault and I feel I am being treated unfairly for a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
I have received numerous phone calls to my cell phone number, my home number, my girlfriends cell phone number, and to my place of employment from XXXX XXXX with XXXX XXXX XXXX or with XXXX XXXX XXXX. My girlfriend asked me how her number is associated with this account and he said i have her down as a reference, however I never knew my girlfriend when i had this loan or when i paid it off. I spoke with the representative from XXXX XXXX XXXX and told him this debt was paid back in XXXX as it was going to a legal issue and I made payemtn arrangements out of my bank account to pay the debt off. He mentioned he is looking at my credit report right now and it is on their, I never gave him permission to pull my credit report, also he wanted me to work with him to make payments, I explaned to him this debt was paid off and I believe you need to send me a letter verifying the debt before harassing me with phone calls. He said they did back in XXXX, so I asked hime to send me another in certified mail and he said he would not because that costs money. I told him until I receive a letter verifying the debt to stop calling me and hung up on him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review

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 2019-03-21 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: GA

Complaint narrative:
There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from 2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
I was purchasing airline tickets through the Delta XXXX website and there was a promotion for Delta SkyMiles credit card, I called an talked to an American Express agent and he signed me up for the skymiles card and charged me {$190.00} dollars, he was very hard to understand. Terms required that I spend {$3000.00} on the card within 90 days and I would receive XXXX bonus miles. I did spend the {$3000.00} in 30 days, including the {$190.00} service fees. When I called American Express on XX/XX/XXXX they explained that I did not reach the XXXX dollar amount because they do not include the service charge as part of the XXXX dollars. I explained to them that the adviser never explained this to me and they should make an exception. American Express said they would send this to their complaint department and I would receive a written response in 8 weeks, which I never received. I called on XX/XX/XXXX and they gave me the same response and now they are not responding in writing. Then the American Express adviser said he couldn't hear me and disconnected the call, even though I was calling from a land line. American Express has very deceptive in their practice and I feel they are taking advantage of senior citizens. I would like my XXXX bonus miles or my {$190.00} back. They should also respond me in writing as they said they would. American Express advisers are very deceptive and just hang up on you. I was very polite on the phone and they still hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have had a corporate credit card with Capital One since XX/XX/XXXX under my current business and for several more years before that under my own name. In XX/XX/XXXX of this year ( XX/XX/XXXX), I was late in making my payment which was due on XX/XX/XXXX. I made a partial payment on XX/XX/XXXX and contacted Capital One to let them know that I was experiencing a financial hardship and that intended to make an additional payment soon, which I did on XX/XX/XXXX. My payment was only 11 days late. During that time, Capital One raised my interest rate from 19 % to 31 %. I contacted them again in XX/XX/XXXX to ask why the interest rate was raised. I was told that it was a penalty rate that would continue to be in effect for one year. I asked if there was anything I could do to have the interest rate restored to its previous rate and that the new interest rate was causing a greater financial hardship. The interest alone for the month of XX/XX/XXXX exceed the amount of my previous minimum payments. My minimum payment due for XX/XX/XXXX was {$620.00}. The minimum due for XX/XX/XXXX ( excluding the {$620.00} that was included in that amount as the payment was late ) was {$920.00}. The minimum payment due for XX/XX/XXXX is {$870.00}. Capital One told me there was nothing they could do ; they do not have the ability to lower an interest rate. I contacted them again on XX/XX/XXXX to inform them that I would not be able to make the minimum payment due of {$870.00} on XX/XX/XXXX. After speaking to three different individuals in their business services section, I was informed that Capital One only raises interest rates, as they have done on my card, when a customer has three late payments within a year 's time. I explained all payments have been made on time and that this was the first time the payment was late ( I can provide payment history dating to XX/XX/XXXX that proves this to be the case ). The representative could not explain why my interest rate was raised in this case, but did say there was nothing they can do. I am not able to keep up with the minimum payments on this credit card and feel that I have been unjustly taken advantage of by Capital One despite my attempts to communicate my situation with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days late with the XXXX/XXXX partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Applied for line of credit with PayPal/Synchrony. Was denied because I " had a closed account. '' This is not a valid denial of credit and I would like further explanation into this denial. I also would like all hard inquiries removed from my reports.

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 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Recently, ( XX/XX/XXXX ), I had my payment to Navient refunded to me for the second time. The first time was XX/XX/XXXX.These were refunds for payments I made online. 
I sent an email to Navient for an explanation of the first time and received this response on XX/XX/XXXX : " Our records indicate your overpayment was made to your private loan, which overpaid the loan, and the private loan is serviced on a different platform than your Department of Education loans, with different payment addresses, so the payment does not get automatically transferred to your remaining loans, but goes out as a refund to you, which you could then apply to your Department of Education loans so they are not past due. '' I called them on XX/XX/XXXX to ask what was the deal when it happened again. Their response began with the private loan but ended with the mailing address for payments was changed recently. Two caveats, the agent I spoke with said that if the payment was within 30 days of the address change ( Which they said took effect XX/XX/XXXX ) then the payments should have been forwarded. BOTH payments were made before XX/XX/XXXX. The other caveat is both payments were made online, so there should have been no confusion about what loan it should have been going too. 
Additionally, I've looked all through my account and I don't see any private loans listed on the Naviant website. It shows two loans, both Dept. of Ed. 
And last, I have listed on my account that if I make any overpayments then it should go to principle and not be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
The original debt amount is {$2900.00} due to a broken lease agreement. However, the lease was also under the name of XXXX XXXX XXXX. Even though she was an XXXX XXXX ; XXXX  ( leasing office ) still had her approved without a social security number. I made a security deposit of {$2900.00} before we moved in! 
XXXX and Hunter Warfield placed not only the full amount of a joint debt under my social security but also keeps charging interest every month. Now Hunter Warfield is trying to collect {$3700.00} and reporting that amount in my credit reports monthly. XXXX XXXX XXXX no longer lives in the U.S due to being deported and there is no way for them to collect any money from her. I agreed to pay 50 % of the debt in order for them to remove this from my records, however, their agents don't give me that option and are very rude over the phone. XXXX made a mistake of allowing someone without social security to rent an apartment with them, and I can only be held responsible for my share of the debt. 
I need them to either remove this collection from my credit report or just be fair and show correct amounts since was a joint lease. 
The correct amount I should have been charged is {$1400.00} Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried with Trans Union to obtain information about whom was reporting on my activities at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. In there report to me when I asked to see my credit report, in the report someone at this address a building complex of Co-Op that someone or those who live there, where reporting on my activities while I lived there. I was born and raised in XXXX XXXX at this address. I have trouble finding work. Whom is speaking about me to the Trans Union Report, what was reported, whom is gathering this information and how have they used this information gather process. I asked the above questions to Trans Union. they have not given me an answer. I have the right under the FTC and other civil rights to know whom is speaking to the public company since most employers asked about credit report about hiring people.

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 2019-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Strategic Automotive Servicing, LLC
State: TN

Complaint narrative:
I Reached out to Strategic Automotive XX/XX/XXXX, XXXX, XXXX and XXXX. Left voicemails about account still being open and reporting as though i still have the car in which it was repossessed XXXX. XXXX XXXX. I was informed by the recovering company that someone from the company told them i dropped the car in XXXX and went back to XXXX, in which that was a LIE. I emailed my rep and let her know ive been living in XXXX since XX/XX/XXXX. She didnt reply. My account has a past due balance of 3k plus and two hundred plus and counting days past due because of the lack of action taken on the account.I still get text messages to make a payment every two weeks because MY ACCOUNT IS STILL OPEN. It is now XX/XX/XXXX. They are not returning my calls concerning the situation. The car was sold and still no update. Also none of my payments were reported correctly to the credit bureaus. I have taken screenshots every week due to the balance going up and made sure to print off the webpage with the false reporting payments and past due balance with days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MO

Complaint narrative:
XXXX XXXX from Stoneleigh Associates XXXX is calling my place of employment everyday and if he doesn't get me on the phone is talking to my coworkers and manager about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/2018 I set my Capital One card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2019 I paid 2 collection agencies. I was told my credit report would be updated. My credit report at Equifax was never updated. I was told by XXXX XXXX XXXX I had to wait. I filed 4 complaints with the XXXX XXXX   XXXX against XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of XX/XX/XXXX there is no change to my Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from XX/XX/2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, 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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I need tax documents from my deceased mother 's savings account and mortgage with Third Federal Savings & Loan I have been requesting these forms and provided all documentation they have requested since XX/XX/XXXX. 

They refuse to provide these forms which are required by law to be provided. I need to file her income tax for last year and need this documentation. 

It should be noted that I have closed two of her accounts with Third Federal so they are willing to give me her actual money, but refuse to provide the tax documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days late with the XXXX/XXXX  partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.

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