vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank charges high rates, lower credit limit and frustrates me and using my credit report to close my card that Ive always paid.

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 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to LACSD after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. 


I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. 

In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested XXXX and Equifax to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

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 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 I purchased a used vehicle from XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. The purchase included an extended warranty with XXXX XXXX XXXX XXXX for a term of 24 months or 24,000 miles. On XX/XX/2018 the vehicle started presenting issues ( running hot ) and ceased working, and it was towed to XXXX XXXX. XXXX XXXX was unable to repair the vehicle and it was moved to XXXX XXXX. XXXX XXXX ran diagnostics on the vehicle and discovered the vehicle gaskets were nit working and the motor/engine needed to be replaced. An adjustor from XXXX did visit XXXX XXXX to estimate the damage and XXXX refused to honor the signed contract and pay for repairs on the vehicle.

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 2018-06-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We have 3 cards with Chase and no matter how much we pay each month we are seeing MINIMAL headway with the balances getting down. They refuse to lower our rates and we have paid more than {$4000.00} in payments yet still owe pretty much the same amount on all 3 cards. Their answer is- unless we miss two payments they can't help. 
We are trying VERY hard to get these paid and have no help from them - it's a useless task!! Someone needs to address how these payments are applied and get them to lower our rates please- we are EXCELLENT customers and trying to get this paid off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I had a return flight from XXXX XXXX to NY with XXXX XXXX. Then next flight out they offered me was 4 days later. I had to go to work so did my husband and my kids had school. So I had to book another flight with another airlines costing me {$1800.00}. 
So I wanted my {$700.00} back from XXXX  since we never used their service. They over booked their flight. I asked them for a refund and they denied me. They I went to the credit it card I charged it on which is a Bank of American XXXX card to disbute the charge and they denied me. They had sent me a form in the mail which I filled out and sent back the next day. Sometime after that I had received a letter in the mail telling my I was denied. I called to tell them I want to dispute this further and they said my time ran out. I said how can that me when I just received your letter in the mail today. They said sorry. I said this is a scam I asked to speak to a manger and the manger told me sorry can't do anything.

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 2018-06-22 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: IL

Complaint narrative:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXXXXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXXXXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXXXXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXXXXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXXXXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because XXXX NEVER had any debt with your company!

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 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Paypal account was hacked on XX/XX/18 for {$1200.00}. That money was refunded and I was advised to change my password which I did. My Paypal account was hacked again on XX/XX/18 for {$1800.00}. I contacted Paypal and they agreed that the action was unauthorized and I would get my money back. They have locked my account so no more money can be taken. However, since the account is locked, I can not access it to get my money transferred back to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: UT

Complaint narrative:
LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We submitted a Request for Mortgage Assistance to Chase on XX/XX/18. We are NOT in default. However, we were forced to pay this month 's mortgage payment after the 15 day grace period and logged in to our Chase account to find the ability to pay online had been revoked. When I called to ask why, I was told this is their company policy to force people to call in once they've requested assistance. While I understand the importance of maintaining an open line of communication when attempting to work out some sort of mortgage assistance, it seems to me to be counter productive and also creating an undue hardship in one 's attempt to pay their mortgage payment. Purposely throwing up a roadblock to that end makes it seem as if Chase wants its customers to go into default because at times, like in my situation of XXXX small children and both me and my husband often too busy to pick up a phone to call in a payment, it is an actual hardship to revoke online payment access. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovative Strategic Solutions
State: VA

Complaint narrative:
I was called in on my home phone and cell phone on XX/XX/XXXX. I was called again on XX/XX/XXXX on my home phone, cell phone and I was emailed by XXXX XXXX. I was asked to supply my credit union account number and social security number which I refused to do. 
I called my credit union and was told that they do not use collection agencies to collect and all of my accounts were checked and I have no loans ( which I already knew ). The phone number that called me was XXXX and the person that sent the email was XXXX XXXX, email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX  credit reports in  XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request. 

As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance
State: TX

Complaint narrative:
My vehicle loan was paid off on XX/XX/XXXXand the company has been reported inaccurate information to the credit bureaus. On XX/XX/XXXX I reached out to the company about the account still reporting open. This is not my first complaint about this matter before they was not reporting at all when I called in XX/XX/XXXX. When I contacted the company they say that they report every 30 days. The car was paid off before they report. I also made a complaint with the bbb and they said it takes about 30-45 days to report but also as I mentioned they have not been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a GM Mastercard which had approximately XXXX points attached to it. Capital One took over the card and began changing the rules of how points could be attained and used which I had not agreed to. As of XXXX 2016 they had " adjusted '' my point balance to {$2600.00} and shortly after canceled my card. I recently bought a GM vehicle and tried to use my points as part of the purchase. After several phone calls I am told that Capital One has no record of my account at all and if there was an account, the points went away when the account was closed. These points were worth {$1.00} each and were earned by my purchases. Whatever happened was totally dictated by Capital One with no ability to challenge any of these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: NV

Complaint narrative:
In XXXX of this year 2018 I pulled my credit report, due to the fact that I was looking for credit. When I pulled my report from all three credit reports, I noticed that there was errors, and information on my credit report that was fraud, and, incorrect information being reported. I then started the process of trying to fix information on my report as, I found out that I was a victim of Idenity theft and, also my credit information from Equlifax was breached, and was never notified by Equlifax. Someone was using my information to open accounts, at different banks, and so fourth. 1. XXXX XXXX  XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX. I sent Equlifax the Identity theft report and, my Driver Licsene, my Social Security Number a bill to prove who I was. I also filed a FTC Identiy theft report, along with the police report. I disputed these accounts and, they were removed. Now I checked my credit report with all three credit companys, and they have been helpful with fixing everything, except Equlifax, they put back on my credit report XXXX XXXX  and, XXXXXXXX XXXX XXXX XXXXXXXX which I never had these accounts they were reported as, fraud. Equlifax did not even send me a letter letting me know that these fraud accounts were put back on my reort. Equlifax, or the furnisher, XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX XXXX 120 days from the time I filed these accounts amoung others as, fraud enough time to explian why these fraud accounts were placed back on my credit report. According to FCRA 611 ( A ) ( 5 ) ( b ) THESE ACCOUNTS WERE DELETED CAUSE OF THEFT. It upsets me that Equlifax is so careless about my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I believe Navient is liable for negligence in informing its clients about the Public Service Student Loan Forgiveness Program. I've worked in public service after paying student loan payments to Navient on two loan  consolidations. I found out about the PSLF program in 2007 when it was announced and for 10 years have planned to take advantage of the program after serving various nonprofits. 

I applied and they declined my application saying that my loan type didn't qualify. I believe they were negligent in that nowhere on my account online does it state what type of consolidation I have on my loans. It only says XXXX Consolidation and XXXX Consolidation. How would I assume that my loans wouldn't qualify for this program? Since Navient ( formerly Sallie Mae ) doesn't specify the loan type on your account how can you possibly determine your candidacy for forgiveness.

Company response to consumer: Closed with explanation