vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax refuse to remove XXXX XXXX  off my report. I do not have access to that account. 
They refuse to remove it. I am not an authorized user on that account at all. They also re inserted back XXXX XXXX and XXXX  XXXX back without a 5 day notice. They are violating FCRA. I disputed those items and had them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
please see case number for detail XXXX i am filing complain against CAPITAL ACCOUNTS behalf of my husband and daughter who are old, XXXX my daughter XXXX XXXX went for XXXX XXXX to see XXXX XXXX who gave estimate never finish or completed work, his claim was denied by all insurance company as well credit card company ( see all upload files ) then he turned to my husband kripa who has no knowledge of him he does not know this Dentist also she is not on our insurance and we don't have power of attorney, He just wants to harass and destroy our credit for invalid charges so he hired CAPITAL ACCOUNTS since life has been night mare they called day and night with different phone number even my cell phone always unknown so we are scare, we explained to them, sent certified letter ( see file ) and letter from ATTORNEY GENERAL office somehow they don't care they are trying to rob us or make money. 

Even XXXX XXXX  tried to mediate but they told them they have no intention to complete work except collect invalid charges nd they block and spam my email when i was trying to make appointment and Collection agency knows

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Hello. 
Last XX/XX/XXXX I sent {$500.00} dollars trough XXXX, the authorized electronic money transfer option Chase Bank added to the Chase App. 
After I sent it I spoke to the receiver. Someone I Know. She said that her telephone number did change so I immediately changed it on my bank 's XXXX contact app and called the bank to explain the situation since the transaction wasn't final. 
The Chase bank customer representative told me that it would be better if I wait and if the money didn't ends at my friends account they will submit a claim. 
For my surprise it didn't happen. 
I contacted the bank to request a refund. They answered they just can't because it is customer 's responsibility to check on the accuracy of the recipients. 
So then, what banks accounts and fraud protection mechanisms are for? 
They leave us, customers, helpless and with the feeling that this is a scam backed up by the banks. 
I truly hope that any government institution protect us against that greedy and fraudulent use of our money. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint was already taken with the Federal Reserve which is forwarding the issue to you which concerns bill pay which I had a 10-year history and all my accounts with my creditors and vendors and which I was promised would be transferred to the other account this one which I opened from a core checking in Bank of America to a safe balance checking in Bank of America instead what happened was they transferred no information and I've tried repeatedly to get this addressed that it affected my financial relationships with creditors and my overall well-being and that was all information critical and important to me and Bank of America through ignorance poor execution did not do what they said and despite repeated escalation efforts did not address what they did and they cause me harm which continues to this day because the bill pay together with my primary account was the way that I interface with all my creditors as well as my US Government obligations and Banks should not be able to do this sort of thing without consequence the primary actions occurred in XXXX mid to late XXXX when they were closing the other account and they promised to move my bill pay history and bill pay accounts

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 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018 I wrote a personal check issued by the XXXX XXXX XXXX  to my husband in the amount of {$2000.00}. He deposited the check via Bank of America local ATM ( where he holds his checking and savings account ) the same day XX/XX/2018 at XXXX. The print-out receipt, which includes a photo-shot of the deposited check, stated that " A hold has been placed on your deposit. Total amount delayed {$2000.00}. Reason : A hold was placed on your check ( s ) because specific information indicates item may be returned. '' On XX/XX/2018 I called the XXXX XXXX XXXX XXXX   automated service and verified that the check issued to my husband in the amount of {$2000.00} was already withdrawn from my account as of XX/XX/2018. My husband and I immediately called the Bank of America to clarify the situation and complain about the unreasonable length of their hold on our check, especially considering that the funds were already withdrawn from my XXXX XXXX account. 

We first spoke with a representative ( my husband has a profound XXXX XXXX and authorised me to speak on his behalf ). Getting no satisfaction, we asked to be transferred to the supervisor. XXXX XXXX, the supervisor who spoke to us, informed us that there was nothing the bank could do to expedite the availability of the deposited funds, and the {$2000.00} will not be available earlier than XX/XX/18, despite the fact that the money was already withdrawn from the bank issuing the check. We advised the supervisor that according to the federal regulation on ATM deposits, if the deposit is made with the ATM of the bank that holds the account, a check in the amount of over {$200.00} should be available after two business days. Still, the supervisor insisted that nothing can be done to make the funds available to us prior to the XX/XX/18 date that was stamped on the initial deposit receipt. No one has ever advised us that Bank of America can have such liberties of putting a hold on the check for such a lengthy period of time, and after the funds were already withdrawn from the account of the issuing bank ( XXXX XXXX ). Thank you very much for your help.

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I made a promise to pay with a representative that he was requiring me a down payment to start paying. I told him I couldnt do that and would call to make the agreed upon payment the next week. He strong armed me and told me the option may not be available then. I was called 3 times in less than 1 hour apart from each other. The company stated it was okay to do and not a violation because they were trying to reach me. I said I just wanted to make the payment one time and would call in the following months to come. I was talked over and interrupted several times while I was just simply wanting to make one payment. I was blindly transferred to 2 different reps and ended up with a manager all of which strong armed me to give them my banking information and demanded I set up payments or else the account could have further collection activity and threatened me with pre litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX  credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX  credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit report that reflects a credit inquiry made by your company that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

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 2018-04-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to 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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
contacted company for verification of debt by sending copies of documents from the original creditor confirming i agreed to their services, accounting info etc. I received a letter for a settlement without any confirmation this account belongs to me or is accurate

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 2018-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Previously I filed complaints against XXXX XXXX and Bank of America on XX/XX/18. There was a filibuster between the two institutions and {$400.00} of my funds were placed on hold and there was the threat I would never receive them back at no faul of mine. There was a transaction error between the two banking institutions, XXXX  called from XXXX and got BOA on the phone and a verbal approval was given to release the funds to me. This morning BOA closed the dispute file with an adverse action action me. 

This Morning XXXX XXXX from called to collect the money back and said she was a debt collector. I told her I was recording the call. The problem had been fixed and I had my {$40000.00} back. 

Today when I called XXXX to fix the adverse statements against me he said he wanted to pull public records to fix the inaccuracies. Then he told me he could help me. 

Bank of America is a MESS, They don't know what they are doing and their polices and procedure are made up on the spot and adverse to consumers. They are out of order someone truly needs to get in their and find out what's going on. I spend 8 to 10 hours working out problems they unfairly create and this has been a hardship on me. I'm a senior collection XXXX XXXX. XXXX and XXXX, I would like to have my financial records were ever they are to be accurately reported, Thank you!

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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Im writing about Conns. I took out a loan to buy a product from their store in XXXX. I made the first two payments and then had a significant change in income. Since XXXX they have called me no less than ten times each day including weekends from 44 different phone numbers. Today alone I received 13 calls from 6 different numbers. I also receive multiple emails each day. I have explained the situation and have asked them to stop and assured them that I would pay when I am able but the relentless pursuit continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kashia Services
State: CA

Complaint narrative:
I have been receiving call at my place of work. And today they started to inform employees I work with about the debt they say I have with them. They called several time including calling me at XXXX on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: AK

Complaint narrative:
Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. 
On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX  balance or a balance in the past when you have made full payment before the due date?

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 2018-04-06 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 went onto Kohls online site to order an e gift card for my son who just moved out of state. Site said maximum amount was {$250.00} which I purchased and paid for. Received a confirmation email that purchase was received and would be delivered shortly. After 10 hours of not having it delivered to my sons email I sent a follow up email asking why this order was not completed. Received a response there was a problem and to call kohls. Once I called I found out they can not do an e card for more than {$100.00} so they cancelled order and I have to place 3 separate order. I asked why the online site has this option for more than {$100.00} if they can not deliver and was told this is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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