vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: CA

Complaint narrative:
I have a business checking account with Chase Bank. Everyday, there will be revenue coming in and payment going out on the account. And always banks subtract payments and then later credit my fund from revenue from my credit card processing. 
So there is a problem, when my bank balance runs low. The payments that come in first will use up the balance. And every single transaction after that and before the revenue comes in, {$34.00} fee will be charge on each transaction. And I knew my revenue will cover the payments.They are often not big expenses, but few dollars or few cents. For example, my credit card processing company charge processing fee on daily bases. So, a XXXX cents processing fee overdraft will cost me {$34.00} for the bank to pay for me. Even though I know my revenue which will come in short after will have cover all that. 
Last month, the month of XX/XX/XXXX, more than {$500.00} fee was charged on my account. And almost every month there are XXXX-XXXX fee on overdraft fee. 
I called Chase customer service, they say they ca n't refund. I visited the branch located in XXXX XXXX XXXXXXXX. at XXXX California. They said they could not do anything and explained the reason as fees charged for the month and show up and individual charges. 
I tried to opt out the overdraft protection feature. But Chase still charges overdraft fee for all the scheduled payment like the credit card processing fee I mentioned above. So there is no way to avoid this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.

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 2017-11-04 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: ID Analytics, Inc.
State: HI

Complaint narrative:
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy  attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business practices.

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 2017-11-04 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: MD

Complaint narrative:
Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.

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 2017-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: NV

Complaint narrative:
I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: AZ

Complaint narrative:
I contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.

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 2017-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.

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 2017-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX my car was repossesed. 
On XXXX XXXX, XXXX Wells Fargo XXXX Department was made aware that the tires on the vehicle were leased and needed to be removed prior to car being sent to the auto auction fornsale. 
XXXX XXXX, XXXX XXXX XXXX XXXX sent over notice to sale vehicle to move vehicle tomauction WITH THE LEASED TIRES still on the vehicle. 

It appears Wells Fargo is refusing to remove and release the tires from the vehicle prior to the vehicle being sold. 

I have reached out to them again, this problem has yet to be resolved.

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 2017-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.

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 2017-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: NM

Complaint narrative:
I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: IL

Complaint narrative:
Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.

Company response to consumer: Closed with explanation