vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I have had this service for more the seven years, the more I use them the more bad credit I ended up with. Speaking on this year a lone what they have been doing has stop completely. When calling them on these matters they had no answers, I could only take they where just collecting my money every month as some kind of support. When calling and hearing this I requested to stop all and any services, this was in XX/XX/2019. They have continued services by E-mail. In hoping too have a large pay day of some time in my future. By my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: AL

Complaint narrative:
I have mailed Equifax my report from the ftc identity theft report, along with my identity theft report that is notarized, and a copy of a police report stating that I was a victim of identity theft and Equifax fail to remove some of the accounts stated on the report. The accounts that are on the identity theft report and police report are the U.S. Department of Education, and they are incorrectly report my child support from the State of Alabama after I have disputed it numerous of times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: NY

Complaint narrative:
Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
Hello, Today 's date is XX/XX/19 I have a First National Bank ( FNB ) of Omaha Orvis Credit with a {$3000.00} credit limit, which is paid off monthly. 

FNB allowed a transaction to be posted against my credit card which allowed my credit limit to be exceed. 

I have NOT opted in to over-limit fees so the expectation that any transaction is declined if there isn't enough available credit to cover it. 

I have contacted FNB and their representatives indicated have no hard stop of purchases that exceed credit limits as they find their card holders to be upset and they do not wish to have to communicate with them, so they allow over limit purchases.

I asked if I could have a hard limit set on my account and they said no, they can not do that.

I have contacted two ( 2 ) out of three ( 3 ) credit bureaus and they said that FNB should provide a later to sort this indicating FNB 's misstep. When this was communicated to FNB, they said no, they will not.

At this point, given the above I have to accept what appears to be a business practice of FNB that is in direct conflict with the " Credit Card Accountability Responsibility and Disclosure Act '' which indicates that over limit purchases should be declined.

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 2019-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I purchased 4 {$2500.00} CD 's from MBNA XXXX XXXX back in XX/XX/XXXX. The bank was subsequently sold to XXXX XXXX XXXX XXXX. When I tried to redeem my certificates of deposit they were unable to locate the certificates. I have contacted all parties to recover my funds however ; no one seems to be able to help because of the time lapse from XX/XX/XXXX when they matured. I have the certificates with account information in my possession. I feel that I was protected when i purchased the CD 's through the FDIC. It is my understanding now that once the bank was sold to another bank that that bank may not be covered under the FDIC. The CD 's are MBNA Platinum Plus CD. I am out over {$10000.00}. I have also searched all states for abandoned property. 

Very concerned, 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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have submitted documents in order to short sale my property and face a foreclosure on my credit report I submitted XXXX and pay stubs and all other docs through a friend of mine. I was denied because a box on the Request do mortgage assistance had a box unchecked the ask whether or not I am receiving unemployment. It is clear that o am not I submitted pay stubs and a XXXX. I believe that sps have violated my rights and intentionally ignored my file. I was told to resend file them I was told no enough time to review file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One promised me a 0 % promotional interest if I paid off my card by XX/XX/2019. I paid off my balance well before this date. I got charged over {$41.00} dollars for interest on a {$0.00} balance. I just spent an hour on the phone arguing with someone about this. They would not reverse the charges. As you can see on the statement, the balance was paid in full, yet I was still charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Receivables Solutions
State: MI

Complaint narrative:
In XXXX of 2019, I reviewed my XXXX credit report and it showed three medical collections from Accelerated Receivables Solution and the same information is also shown on XXXX & XXXX. So on XX/XX/2019, I sent a certified letter to Accelerated Receivables Solution requesting to validate the three collections. The company is in XXXX, NE and a part of the request from this company is do they have a license in the State of Michigan to collect this debt in addition to sending me a copy of the actual account from the creditor company. 

Today is XX/XX/2019 and have not received any written correspondence from Accelerated Receivables Solution. My disputes with this organization are the following : ( 1 ) the company did not respond to the documentation requested from myself for the company to validate that they can legally collect these medical collections : ( no validation of the actual copy of the bill and account, no information of the creditor regarding these collections, no documentation of the company proving that they can collect debts in Michigan-bond ) ( 2 ) All three medical collections on the XXXX report have the same account number with different debt amounts, ( 3 ) they did not respond to the reasonable time ( 30-35 days from receipt of the letter ) to validate that they can collect these 3 collections and the three medical collections are still showing on all three credit reports. Supportive documentation is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian Credit Reporting On XX/XX/2019 I was attempting to speak with someone about some fraud on my account and some more-than-basic questions about locking my account. I could not get anyone to address these issues and questions. The automated line did not provide me with any options to speak to anyone or get any more information on my account or questions. Furthermore, the online reporting had errors all through the process and ended up with me blocking my own name, irreversibly without mailing something in. Yes, 2min and one wrong click to block something that can only be unblocked via mail.

After scouring the internet and trying 4 different numbers and all the consumer options, I still could not talk to anyone about the fraudulent activity on my account or my question about how this freeze would effect me. I finally contacted the business line and ( after only 3min on hold ) they gave me an extension not listed in any of the prompts where I sat on hold a while to finally talk to someone ( after 40min of holding ). I am still not sure that my identity is secured due to the lack of help from anyone at this organization.

When dealing with Identity theft, the inability to get in touch with the companies that are enabling ruining my personal reputation truly is unacceptable. Especially when they do not have any issues picking up the phone for business clients. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For anyone in the general public experiencing the same as I have, From the automated line dial option 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 non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I had a lease with Nissan/XXXX opened in XX/XX/XXXX always paid note on time never later, no issues.. in XX/XX/XXXX there was and incident with my car also in XX/XX/XXXX got a new car.. XXXX  paid off the old loan that I had originally opened in XX/XX/XXXX. InXX/XX/XXXX.. then nissan/ XX/XX/XXXX started reporting I was late in XX/XX/XXXX I disputed then they started reporting I was late in XXXX I disputed then XXXX I disputed that then they went bac to XX/XX/XXXX .. I'm currently disputing that and nissan also sent me a letter that I was late XXXX but reporting XXXX to credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THE ACCOUNTS ARE FRAUD ACCOUNTS WHICH ARE INACCURATELY PLACED ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a car from Kia Motors Finance on XX/XX/2018. It was stolen in XX/XX/2018. My insurance company ( XXXX ) at the time deemed it as a loss and paid Kia Motors Finance over {$19000.00} ( the value of the car at the time ). XXXX took the deductible out of the final check that they paid to Kia Motors Finance and in turn Kia Motors Finance stated that I have a balance of {$1600.00} due to the deductible that XXXX took out of their final payment. I called them and ask about the GAP insurance that was included on this Leased vehicle and they told me that the deductible is not included for GAP insurance. I told Kia Motors Finance that XXXX is not asking for the deductible because they have been satisfied and I am curious to know why Kia Motors Finance is acting as a insurance company. 

Kia Motors Finance is now making me pay for my car being stolen even though it had GAP insurance and everything was taken care of through XXXX. I made a payment arangement with them to prevent it from going to my credit and keep it inhouse. Well it hit my credit report as a missed payment which made it go down by XXXX points. Then a week later they reported as a closed account delinquent with a balance which in turn made it go down another XXXX points even while being on a payment plan. I asked XXXX XXXX XXXX could they not hurt my credit because I am paying them as agreed. 

I can not finish my home project because of this and I feel like I am suffering for something that was beyond my control. 

The amount in question is {$1600.00}. I have paid them {$350.00} which should leave a balance of {$1200.00}. They have reported a balance of {$1500.00} and that it is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have savings bank account with Synchrony. These folks are some real crooks that they are not letting me use my own money. They are telling me that I won't be having access to my deposited money for 6 business days because i am a new customer. That's simply ridiculous. Moreover 6 days are far from over. Tried chatting with them and talked to neshela ( supervisor ) today around XXXX XXXX. 
If the funds are deposited on XX/XX/2019 they should be accessible to me at the most on XX/XX/2019. But they are telling that it will be accessible only on XX/XX/XXXX. 
we have already sent the signature card.

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 2019-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. 
When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. 
I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2019 I noticed that there were two unauthorized transactions that had been processed on two of my checking accounts. One was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019 and the other was for {$1300.00} ( claim # : XXXX ) processed XX/XX/2019. Both through XXXX XXXX, both to the same person. I immediately called Chase and reported the unauthorized transactions, which in turn created two different claims being filed. On XX/XX/2019, all 9 accounts that I was on were closed and reopened. My online access username was changed as well as my password. Also on XX/XX/2019, I worked with my IT department and received a new work computer so they could erase the old, should that have been a security concern. On XX/XX/2019 one of the checking accounts received a temporary credit for {$1300.00}, however, the other did not. Today, XX/XX/2019, I was told by Chase that the claim for {$1300.00} was denied, due to consistent activity from the same IP address. However, the IP address that Chase provided does not match any IP addresses for any device or computer that I use. They told me that I could fax proof that it was not me, however, will not explain to me what information I need to provide. I called our local Chase branch that helped us when we had to close and open the new accounts and she informed me that when she talked to the " back office '' fraud department our information that they told her that even if I provided my device & computer IP addresses, that didn't mean that it wasn't me. She told me she didn't know what else she could do for me. My husband is a XXXX XXXX with the XXXX XXXX  XXXX and has contacted our financial crimes unit to open a case. We also have the persons name and phone number that it was transferred to, however, he says that he is only 17 and didn't know why the money was put in his account, but gave his " address '' and his fathers " phone number ''. However, once my husband realized he was 17 he quit talking to him. My husband attempted to contact the fathers phone number but no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/XXXX, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX CO XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX AU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
company closed all credit card accounts on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
We refinanced our home loan in XXXX. We did a no escrow loan and paid our insurance and taxes in full when due. In XX/XX/XXXX we paid our flood insurance in full in the amount of {$700.00}. In XX/XX/XXXX our insurance company received a check from the mortgage company for the flood insurance. Since the policy was paid in full a refund check was sent to the mortgage company which they never cashed. They notified us in XX/XX/XXXX that they were putting escrow on the account for the flood insurance and that our payment would increase in XX/XX/XXXX. We notified they and they acknowledged that this was a non escrow loan and that the escrow amount would be removed. In XX/XX/XXXX I received my XXXX statement with the escrow amount on it and the payment increased. We had our insurance company issue another refund check which was sent to them on XX/XX/XXXX. On XX/XX/XXXX they returned the check. I had another check sent on XX/XX/XXXX. The company is refusing the refund to force escrow on a no escrow loan.

Company response to consumer: Closed with explanation