vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
These are the unauthorized charges to our debit card with USAA Bank. 

XX/XX/18 XXXX XXXX XXXX- {$2700.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXXXXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/18 XXXX XXXX XXXX  XXXX XXXX {$40.00} we informed the bank that these were unauthorized and approximately a month later they told us they WERE authorized. We have requested associated documents used by them to reach that conclusion and are still waiting for them to furnish them, It has been over a month since that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: OH

Complaint narrative:
XX/XX/XXXX - letter sent certified mail disputing accuracy of item XX/XX/XXXX - letter signed for by Experian XX/XX/XXXX - account was not marked with dispute

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 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
At some time in the past three or four weeks I applied for a credit card offered by Chase ( Manhattan? ) bank with an offer of Bonus Miles with XXXX XXXX if you spend a certain amount in a designated period of time. 
I have excellent credit and should absolutely QUALIFY for this card. I could ( & would ) meet their standards to earn the Bonus Milage but THEY decided I should not have this card because I have " too many credit cards. '' I asked to speak to a Supervisor and the first time, they told me, " they're not working today. ' Someone DID call me the next day telling me they could not approve me but they would have a Supervisor call me and then they never did. 
I did not realize that these companies were in the habit of 'parenting ' potential customers. 
My Credit History shows that I can and most likely WILL re-pay any amount I charge on a new credit card they afforded me. 
What gives them the right to deny me something they are offering based on the fact that other companies have decided to extend credit to me? I've accepted many of these offers BECAUSE of the fact that they come with 'perks! ' If, in fact, they really DON'T want you to be able to earn those perks, isn't that false advertising? I am as qualified as any of the people they've extended this particular Bonus to so how is it they are allowed to deny it to me? It seems wrong. Am I right?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: CA

Complaint narrative:
Please refer to CFPB Case:XXXX Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I AM TRYIGN TO PROCESS A PAYMENT WITH XXXX TO MY LANDLORD THEY WITN ACCEPT MY NEW DEBIT CARD I MESS THEM EMAILED TEM CALLED THEM AND THEY HAVE DONE NOTHING TO FIX THEY SAY ITS MY BANK WHICH IS XXXX XXXX BUT THEY PROCESS A PAYMENT TODAY WITH SAME BANK DIFFRENT ACCOUNT THEY SAY THEY NEVER TRIED TO PROCESS PAYMENT XXXX XXXX XXXX THEY TRIED 11 TIMES I MESS THEM AND TELL THEM HEY IF I CANT PROCESS PAYMENT AM GOING TO INCUR LATE FEES THEY SAY WEREN'T PAYING THOSE AND FOR LAST 2 HOURS ASKING THEM TO FIX ISSUE ALL THEY TALK ABOUT I SLATE FEES THAT I HAVE YET TO INCUR THEY KEEP TELLING ME CALL MY BANK BUT I CALLED XXXX XXXX THEN THEM ON 3 WAY AND THEY HU CALL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Midwest Recovery Systems
State: NJ

Complaint narrative:
Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express advertises a promotional offer to its customers through its branded travel division termed the " Fourth Night Complimentary Offer. '' However, the characterization of this promotion is purposely misleading, because AMEX customers do not actually receive a complimentary night ( or nights ), or an equivalent financial savings. 

I contacted AMEX with this written complaint ( attached ) and it responded with an e-mail robo-response directing me to call its AMEX platinum travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA

Complaint narrative:
Closed my XXXX  account and the {$5400.00} funding amount was not returned.

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 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: IL

Complaint narrative:
I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX  XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.

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 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am disputing a purchase and I a haven't been given the right response on several Day beginning XX/XX/XXXX-XX/XX/XXXX on business I been calling and no one has been giving me the right information about when I should receive my money back.

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 monetary relief
Consumer complaint received 2018-06-11 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: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NV

Complaint narrative:
I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX  has a XXXX number and is easily able to be reached while Equifax is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my transunion file such as XXXX XXXX it goes on my Equifax report. I am noticing this through XXXX XXXX because I dont have access to anything at Equifax. This is MY information. I also filed for bankruptcy XX/XX/XXXX, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/XXXX. I talked to a transunion official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX  balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. Equifax should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
This is a followup to my { Attached } CFPB Complaint # XXXX. 
The company { Southwest Recovery Services , INC } responded that this Collection Account will be REMOVED from my Credit Reports while proper debt notification/verification is conducted. I simply would like to know on what EXACT date will the Credit Reporting Agencies { XXXX, XXXX, and XXXX } be sent the REMOVAL action ( s ). This fraudulent Collection Account on my Credit Reports is holding up my processing of an important financial 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 2018-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am currently paying almost {$800.00} a month for my loans and after asking around found out that is pretty high. Most people I know with loans aren't paying more than {$300.00} a month. I had no problem paying that amount until I just got a new car with a {$300.00} dollar monthly payment that will make it impossible for me to afford all my expenses. When I called Navient to have it lowered they said my co-signer should help pay for it. I told them he won't and shouldn't and that I tried to get him removed but they gave me very vague reasons why he couldn't be removed. One of the reasons after I asked for more details is because my income is not sufficient enough to afford the monthly payments. So I don't know why they wouldn't mean the payments should be lowered as then I could have the sufficient income. Online I was under the impression I had to fill out the co-signer form AFTER 12 consecutive months of paying and after giving it to them they said I was suppose to fill out the form, that was going to get rejected regardless, THEN wait 12 more months of consecutive payments. Which would not matter after 12 months because I did that already and they still said I have insufficient income. I need help getting this outrageous amount lowered or I will barely get by as my monthly income is good but with all my other expenses I have I will have nothing left over to start saving. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX they took a payment out my account where they stated that my payments would be reduced to XXXX dolllars XX/XX/XXXX I called navient and they said that customer service got the payments wrong and the payment would be increased XXXX. 

They have gotten payments wrong on several occasions between XXXX and XXXX.

Company response to consumer: Closed with explanation