vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
I returned a {$75.00} Item to XXXX. The refund was applied to a XXXX XXXX Personalized Visa card. Shortly after this transaction I was no longer able to log in to my account. When I called US Bank ( the administrator of the Visa card ) to find why I was no longer able to access my account I was informed that a return was processed to this visa card however the original purchase had not been made with this visa card. They informed me that my card was inactivated and the full balance of {$350.00} was not available until the return was reversed or I produced receipts for the transactions. I informed them I did not retain the receipts from the purchase and XXXX is not likely to forcibly remove the return from the card. They informed me that those were the only two options. I asked them to close my account and send a check for the outstanding balance. They would not close the account they would only deactivate the account. I informed them they had no right to deny me access to my full prepaid funding over a difficult to reverse clerical error that represents a fraction of the full amount I had put on the card. They offered no other resolution. US Bank has manipulated their policies so as to leave my funding ( paid in cash ) in an account inaccessible to me until their monthly service fees consume the balance and then the account would be closed. I feel US bank has implemented policies that facilitate what amounts to theft.

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 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
J

PMorgan Chase is currently the creditor for my automobile loan. Every time I go to log on to their website, I get errors. It is always a problem with the password or user ID. I have changed it literally over a dozen times over the last year ( once every month, because when I make my monthly payment, I must attempt to change the password each and every time I log in to my JPMorgan Chase auto loan account ).

Note that I have tried this on 3 different browsers, as well as my wife 's computer and my work computer. All scenarios end up the SAME.

This has been very stressful every month I go to pay. I also have found that a simple internet search reveals that many people are having the same problem. I sincerely believe that they are intentionally making consumers late on payments. Whatever their motive is, they know darn well that this is an ongoing issue for many of their account holders and yet they do nothing about this. Please proceed with an investigation and if so, I might also be interested in heading up a lawsuit against this criminal activity.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Thursday XX/XX/2018 Atm deposit of XXXX dollars Atm took the money but never gave the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
in XX/XX/XXXX an employee of mine charged almost 20,000.00 to my Lowe 's account without my knowledge or permission. employee was terminated when the charges appeared on my XX/XX/XXXX Lowe 's statement. i called Lowe 's bank, Synchrony Bank, and itemized all of the fraudulent charges. Synchrony then removed all fraudulent charges from my account while they 'investigated '. meanwhile i filed charges in three municipalities against the former employee. after three months Synchrony reapplied ALL the FRAUDULENT charges BACK onto my account. i protested and got the response that the fraudulent charges were mine to deal with since i had given the employee a company credit card. they claim i profited from the fraud in spite of any evidence to the contrary and with police reports to back my statements. getting nowhere with Synchrony i got my lawyer involved in the case. she has tried three times to get Synchrony to respond to her letters and legal requests. in spite of me signing paperwork validating her as my attorney they have yet to reply to her. instead they resent their 'investigation ' report back to ME without any further effort on their part. the former employee has a court date of XX/XX/XXXX to further back my evidence. this is referenced as ; XXXX XXXX XXXX. to add insult to injury i have been paying interest on all fraudulent charges monthly. Synchrony even charges me interest on my purchases each month even though i pay off my new charges every month? PLEASE HELP ME

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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Checked account on Thursday, XX/XX/XXXX at XXXX, had a positive balance. At XXXX XXXX on the XX/XX/XXXX, received confirmation via email, ( have copy ) that deposit of {$780.00} was made to account. At XXXX XXXX on the XX/XX/XXXX, was notified that my account was overdrawn. ( have copy ) When I contacted B of A, was told that when an account is overdrawn they do not notify you until the next day. I was not told of this before. This also, is not the first time that B of A has done this, they continually change the rules to charge overdraft fees, this is another example. In the past, when I was notified of an overdraft, I was allowed to put cash into the account to cover these overages as long as I did so by XXXX of that day. I see that now they are not giving me that opportunity. I believe they have changed the rules to purposely charge these fees.

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 2018-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc.police was sent about the inaccurate in formation with

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I made an attempt to transfer membership reward ( MR ) points from my American Express ( AMEX ) account to my XXXX XXXX XXXX ( XXXX ) account. The transfer was blocked by Amex and I was unable to transfer my points to a trusted travel partner. The points are supposed to be used to book my XXXX award airfare to my own honeymoon next year. I already booked my wife 's ticket on XXXX. This is a time sensitive manner due to XXXX award tickets being limited in amounts and the time it takes to transfer MR points to XXXX ( at least 48-36 hours ). If my MR account freeze is not lifted in a timely manner ( within 24 hours ) I am afraid all XXXX award flight tickets will be redeemed by others, leaving me stranded on my own honeymoon.

I have contacted the MR department several times VIA phone and online chat function to try to remedy this situation. I have spoken to customer representatives and supervisors regarding my case. Every attempt to remedy the issue or get clarity has been futile. This is my last attempt to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc.police was sent about the inaccurate in formation with

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 2018-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc.police was sent about the inaccurate in formation with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
I had a car loan with CPS ( Consumer Portfolio Svcs ) which resulted in the vehicle being repossessed around XX/XX/XXXX. Since that time, CPS has added incorrect data to my credit report to keep the account listed after it should have dropped off. According to the current report, it shows the account was paid through XX/XX/XXXX and charged off in XX/XX/XXXX. This is incorrect as the account should be reported as a repossession in XX/XX/XXXX. I have disputed this information more than once with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: CA

Complaint narrative:
On XX/XX/2018, Supreme Lending began charging us {$2500.00} instead of {$1700.00}. They gave absolutely no explanation for the increase in charges. They had actually OVERcharged us the year before, and so we were suspcious, since they had made a mistake in XX/XX/2017 and had had to repay us. We followed up with them via phone multiple times and still, received no explanation other than that this was due " property tax increase. '' We called XXXX XXXX County and found out that no, our property taxes had not increased the amount they claimed. We went back to Supreme Lending and received a spreadsheet with different numbers but no explanation of what the numbers were. Multiple customer service agents at the corporate headquarters could provide us absolutely no description of our charges.

We finally went back to our local lender, who referred us to the regional manager. She was able to explain the charges. Basically, the corporate office had been undercharging us due to not understanding California tax law. We asked that we pay our own property taxes, not have our lender pay them, due to the incredibly poor customer service. However, they want to charge us a {$700.00} fee to NOT pay our taxes. We wrote an email two weeks ago asking the fee be waived and did not receive a response from the company.

We asked Supreme Lending when our monthly fee would go back down to {$1700.00}. Multiple agents on the phone have said it will go back down starting XX/XX/XXXX. As of now, we are still being charged the higher amount and the company is refusing to tell us what our monthly payment will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
collection on my credit report since 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX going around circles with them on a bill I paid to XXXX XXXX XXXX XX/XX/2017 that I already have paid them. They are rude and keep talking around circles for a payment of XXXX. I can't believe how many times I have called them and no help. faxed them a copy of the check that this has been paid. Tell me to call back another time.

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 2018-12-28 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. 

I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. 

I have submitted a police report to the company and nothing has been done about it.

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica
State: MI

Complaint narrative:
Hi- Comerica bank on XXXX XXXX in XXXX michigan is attempting to collect fees not owed. On XX/XX/XXXX I went into the banking branch because they had closed my savings account for exceeding the transfer limit. When i went in I closed all accounts that day, 4 accounts, 3 checking and 1 savings. I told the bank enployee I wanted to close all accounts, at that time they gave me a check for approximatly 18k from my savings and {$400.00} cash from my checking. The bank is now telling me that the account was not closed on that day because of a pending transaction for {$20.00} from 2 days prior to me coming in and that the account was not closed that day and that the tip of {$6.00} I left overdrew my account. There was no mention of a pending transaction the day I closed the accounts. I asked to close my accounts they gave me the check and the cash and i left thinking my accounts were all closed, come to find out only 3 of the 4 were closed. Because changing my auto drafts to my new bank took 7-10 business days, some of those payments still went through to the comerica account which should have been closed. Now comerica is stating I owe over {$200.00} in overdraft fees on an account that I thought was closed. The bank has stated that they can not close an account when there is a pending transaction which is fine but this should have been comunicated to me rather than make me think the account was closed knowing that this could happen. Had they notified me that the account was not closed because of a pending transaction I would have come back in a day or two to close the account. The teller cashed out my account that day knowing there was a pending transaction that did 2 things, it made my account left open and opened me up to over {$200.00} in fees. I have perfect credit and have never disputed any charges, the way this bank conducted business was deceptive and resulted in fees that I should not be responsible for. The employee at the bank clearly knew I was there to close out all accounts and failed to do so, and failed to disclose any other details. She failed to notify me that she was unable to close the account at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2017 a letter was sent by myself to CitiBank regarding a credit card that we were having trouble keeping up on the payments. We were working with an advisor who told us to send a letter about the situation and and ask to speak with them. Part of the letter sent is attached. The other portion just stated our hardship and we were looking to work with Citi to get this situation resolved. We did receive a letter back and all it stated was to call them. I began calling on XX/XX/17 when the letter arrived. I have attached my call log but also provided a summary here. I was never allowed to speak with anyone regarding the account. Each phone call I was just told account was under review and given a date as of when to call back. When I called back at each date given, I was told once again account was in review, no one could speak with me. The date to call back just kept getting later in the month. In total, 5 phone calls were made by me and I was never spoken to about anything regarding the situation. The ID numbers provided by the representatives who answered the phone are also provided in the log I have attached to reference each call. On the last call XX/XX/2017 I was told the account was sold. They would no longer speak with me. This was not even to the date of XX/XX/XXXX that they said would be when to call back. I just kept calling even before the dates given to try to get some sort of communication and resolution. The account is now in collections without any communication from Citibank and never once being able to speak with anyone at the company in any manner or form. They did not reach out except the letter in the beginning that said to call. Again I did. Again they never took the calls. The dates given as to call back to speak to someone just kept getting extended until one day, 4 days ahead of the date I was told to call, they said they would no longer speak to me.

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