vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 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: Stenger & Stenger, P.C
State: MN

Complaint narrative:
This is a dispute with Stenger & Stenger XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. They purchased a XXXX XXXX  credit card debt from XXXX XXXX XXXX XXXX XXXX. They were awarded a Default Judgement in XXXX County MN, on or around XX/XX/XXXX, in the amount of {$10.00}, After years of requests to provide me some validation of debt, and/or account history, Continuously was told they didn't need to provide me that -- the debt was to old and they had earned a default judgement and they couldn't/did n't need to. During the month of XX/XX/XXXX ( without warning and unknown to me until XX/XX/XXXX ) I received fifteen ( 15 ) months of alleged statements. The charges accrued according to those statements was pathetic. There were 7_8 separate ACH checks in the amounts from {$100.00} to {$1400.00}. Each/most incurred a fee of {$14.00}, a {$39.00} over limit, and a $ XXXX- {$39.00} return fee, Interest charge of 29.99 %, in addition to the $ XXXX0- {$35.00} return fee at my bank. Inever authorized any of those ACH attempts ( had I authorized them I would have had the money to clear ). Since the futile attempts to resolve after default judgement in XXXX  County Court ( XXXX ) after being unable to resolve, Stenger & Stenger garnished my wages at which time I set up a {$75.00} biweekly/semi-monthly deduction out of my bank account. On or about XX/XX/XXXX the {$10000.00} was paid in full, and Stenger & Stenger acknowledged by filing a satisfaction of judgement in XXXX  County. On or aboutXX/XX/XXXXI spoke at length with XXXX at Stenger & Stenger about these issues. I have contacted Stenger & Stenger three ( 3 ) times since and all I'm told is they are closing the account. I expected ( from conversation with XXXX  ) that they were at least going to provide me information I need to validate account, which hasn't/is n't happening

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I would like to consolidate one business credit card and two personal credit cards into just one account ... of course taking the two credit limits from the two cards that will be closed and putting into the one card that will remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Go Capital Holdings, LLC
State: PR

Complaint narrative:
On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.

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 2018-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have two saving accounts with TD Bank and Checking Account and on XX/XX/2018 TD bank charge with {$5.00} fee is this legal with all the account with TD Banks this equal more then {$300.00} is this to charge me this fee Please investigate this bank fee and explain in write why I was charge {$5.00} with three accounts and the total balance is over {$300.00} and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We have a mortgage with Penny Mac mortgage and it had PMI. We started the process ( XX/XX/2017 ) to remove the PMI and they had to order an appraisal. When that process starts they tell you they can charge 400-1000 for an appraisal. Appraisal price very from conve., fha or VA, square footage, rural or anything extra they have to do. That's why they have to give you a price range. They charge me {$820.00} for a simple conventional loan in the city. Nothing extra which they should of only charge XXXX max. If you call anywhere or ask anyone that's the price range for a conventional loan, normal sqft in the city. I don't leave in the country or rural area. They are charging twice as much for reg conventional appraisal. If they don't let you get your own appraisal they should contract someone that is in your area so they don't charge {$400.00} extra that what I'm assuming happened but not sure why they are reaping me off. I try to ask question of how much is the appraisal charging me but since the mortgage co. Contract them they can't answer any questions. Penny Mac should have the consumers best interest to have appraisal companies that do not reap borrowers off and that are in the area. As a consumer they should have the best interest for us the consumer and not to fill there pockets. I have tried to work it out several times but they will not cooperate. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, has falsely and wrongfully reported me to a collection agency as purportedly owing a debt- which is not me, nor is it mine. Their agency, Benjamin Chaise & Associates has sent me a letter dated XX/XX/18, which has falsely made claims against me, reporting me with gross negligence as to purportedly owing a debt that is not mine. ( Amount stated on their letter : XXXX ). Ive never had any business dealings with XXXX XXXX XXXX XXXX XXXX XXXX, nor their affiliates, nor the agency, Benjamin Chaise and Associates, or any of their agents. This is not mine, not my company and I do not owe any money in portion or in full as claimed. There are no contracts whatsoever between myself and the purported creditor, and or Benjamin Chaise & Associates, verbal and or written. The letter sent to me was addressed to a business which is not me, nor my company and I have never heard of nor have any part of. They obviously are phishing and have sent out this demand for funds either with gross negligence or in an effort to defraud me. 

I've sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, and Ive sent a letter to Benjamin Chaise & Associates- a demand for debt validation, dated XX/XX/18 There has been no response to the debt validation. I received from them a statement that the claim has been turned over to a lawyer in XXXX XXXX, NV.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is a Cabelas authorized user account appearing on my credit report from XXXX. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. Capital One reported the account as recently as XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION 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 explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE

Complaint narrative:
I live overseas and have recently moved from XXXX XXXX to XXXX. 

I tried to access my account on XX/XX/XXXX in order to change my address and phone number. I was not able to access the account but I was asked to answer a security question : " What is your brother or sister 's middle name? ". I got the question wrong because it is ambiguous ( I have a brother and sister and they both have two middle names ). 

I have tried contacting the bank many times via phone, online chat, and direct messaging, but they will not let me access the account without visiting a branch. The nearest branch is a five-hour train ride from where I live and I do not have time to go there. 

I need to know my balance so that I can complete my tax forms by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Todays date : XX/XX/2018 XXXX : CitiBank Credit Cards Forced by CFPB to Refund Cardholders : ( for deceptive marketing and incorrect charges associated with credit card add-on services ) So, I received a letter from Citi dated XX/XX/2018 stating that I was being issued a statement credit of {$520.00} and that I did not need to do anything in order to receive my refund. I have not received my refund. It also states that the refund was applied to my account. Citibank is holding my refund. How can this be legal? 
My account has been closed for years and Citibank, without serving me personally, took me to court and has a lien on my home. This lien is still active as of today 's date. 
The letter dated XX/XX/2018 has a contact number that I called to try and get answers as to why they have a lien on my property and holding my refund. 
I called and spoke to XXXX on XX/XX/18 approx. XXXX XXXX, I asked why didn't I get my refund? She said ; " we can not give you a check. Call Customer Ser. on the back of your card. '' Then I Spoke to XXXX, on XX/XX/18 she said ; " didn't know about refund. '' I was transferred to XXXX, who worked for a 3rd party " XXXX ''. He said call Customer Ser. they will be able to tell you how to get your refund on a closed account. 
I was transferred again to XXXX ; she said " you were transferred to the wrong dept. '' I was transferred again to XXXX ; she said, " I can not help you '', she was also from 3rd party " XXXX ''. 

Citibank already has a lien on my home, how can they now hold my refund? Citibank is still being unfair and deceptive. 

Please help me to obtain my refund,. 
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 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Financial Group
State: FL

Complaint narrative:
On XX/XX/2017, I sent Nationwide a copy of my driver 's license, power of attorney ( notarized ), a signed authorization form and the title to the XXXX XXXX motorcycle. Before mailing them to Nationwide, I made XXXX copies of the documents and scanned them to my wife 's email so that we would have documentation of what we forwarded to Nationwide. 

Nationwide insists that they never received the title to the motorcycle. I spoke to them on several occasions letting them know that the required paperwork was sent to them. In addition, Nationwide has raised my interest rate from approximately 7 % ( the reason I chose to refinance with Nationwide from my original lender XXXX XXXX ) to 24. 99 %. My monthly payments have gone from XXXX to XXXX a month. They have done so because Nationwide claims that they never received my title. 

Additionally, I called and asked to cancel my motorcycle insurance ( as I had relocated to Florida and would no longer be required to have insurance ) and yet they failed to update my account in a timely manner. They have sent my account into collections and a collection company is charging me XXXX. I was always on time with my payments and this is an unfair charge.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My bill was XX/XX/XXXX and I forget to pay that day but pay it the very next date XX/XX/XXXX. I am being charge a Late Fee which it is okay but I pay {$60.00} and my new statement is {$95.00} for XX/XX/XXXX. I call and they telling me I still have to pay the {$95.00} because the {$60.00} is reflecting to the XXXX bill not the XXXX bill. The agent was so call explaining why this happening and what she did was hang up on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NY

Complaint narrative:
This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: MD

Complaint narrative:
There is a XXXX authorized user account appearing on my credit report from Equifax. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. XXXX XXXX reported the account as recently as XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a voluntary security freeze on my credit reports. On XX/XX/2018, I called Equifax to request a temporary lift of the security freeze for an authorized credit inquiry. I was told the freeze was lifted, and received a confirmation number. The inquiring party was not able to obtain my Equifax report on XX/XX/2018. I called Equifax again, received a new confirmation number, and was told the freeze had been lifted. The inquiring party attempted again to obtain my Equifax report, and was again denied. Equifax does not appear to provide any other avenue of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I want to apply for Amex 's Blue Cash Everyday card, yet its website will not allow me to. There is nowhere to print out an application. In order to use its online application, I need to already have an Amex card, which I do not. I want to apply myself and get a hard copy of the completed application, yet there is no way to do this. I should not be forced to call AMEX to apply for a credit card. I should be allowed to complete an application myself for any credit card it advertises. This is not the case. 

AMEX engages in false and misleading advertising. 

See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: IN

Complaint narrative:
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

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 2018-03-14 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: IN

Complaint narrative:
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: NY

Complaint narrative:
XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.

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 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX this amt was deducted from my chase bank and chase bank is not solving it and holding my acct balance and will not release it

Company response to consumer: Closed with explanation