vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: CA

Complaint narrative:
Online secret shopper scam, i was sent a check placed it in my account then my back initially cleared the check i withdrew the funds and distributed them as directed then my back changed and placed a hold on the check and then ultimately declined the check leaving me XXXX in the red in my account

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 2019-11-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a disbutes with Chase CC for partial of the charge ( {$67.00} ) again a fair difference from XXXX XXXX ( XXXX  ) which Chase granted me. Then XXXX  denied my boarding at the airport without any notifications to us. So I went home file with Chase again, Chase customer Rep told me to submit a written notice in order for them to file the disbute again. I consequently submitted it ... Then I thought eveything would be taken care or at least I will hear something from Chase. This was all happened in XXXX or XX/XX/2019. 

Then I checked my Credit card statemnet, I relized Chase didn't file this 2nd disbute for me. I called Chase and the customer Rep told me that the filing period was expired and they can not file for me. 

My dispute is my original request was in XXXX or XX/XX/2019, at that time the filing window was still valid. but they didn't do anything nor inform me properly. 

my case number is Case # : XXXX. 

My total disbute is {$2500.00} Thanks for the helping

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received my paper monthly credit card statement for my XXXX  XXXX XXXX XXXX   XXXX credit card managed by Bank of America. Included with the statement was an empty payment coupon to facilitate payment on my account. NO WHERE ON THIS STATEMENT OR COUPON DID IT SHOW THAT I HAVE AUTOPAY TURNED ON FOR THIS ACCOUNT. 

I then went to the Bank of America on-line website to verify my autopay status. On the initial web page after log-on I was once again reminded of my outstanding balance and due date, with a flagged message that a payment for the account was due. AGAIN, NO WHERE ON THIS INITIAL ACCOUNT ACTIVITY PAGE WAS THERE AN INDICATION OF AUTOPAY STATUS BEING IN EFFECT. 
After clicking thru several screens as if I were choosing to " make a payment '', I did finally see one small green box to the side of the screen indicating autopay " ON ''. 

Being the main cardholder for 5 other credit card accounts, I know that all of the other cards I hold ( managed by XXXX or XXXX XXXX ) clearly indicate on the billing statement, billing coupon and initial webpage that autopay is on and no payment is necessary. 

When I called Bank of America to lodge a complaint, the third customer service agent I spoke to told me 1 ) he had no access to anyone to whom I could directly lodge a verbal complaint and 2 ) he had no address to which I could send a written complaint. 

My concerns related to Bank of America 's credit card services are twofold : 1 ) Their confusing billing practices make it very likely that a payment could be duplicated. And if a duplicate payment were made, BofA would keep the extra payment and post it as a credit to the account. That erroneous payment would then be held by BofA and not returned to the client. 

2 ) Bank of America should have at least one avenue to allow formal complaint by customers.

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 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX, someone fraudulently charged my credit card upwards of {$1300.00}. 
On XX/XX/XXXX I discovered the fraud, and worked with my bank to move my money over to a different account. 
On XX/XX/XXXX I submitted a direct debit update to FedLoan requesting that they pull my payment that month from my new account that had just been created. 
On XX/XX/XXXX FedLoan charged me a {$58.00} non-sufficient funds fee. 

I asked for a refund in light of the fraud, and because I haven't missed any payments in the past. I also sent documentation from my bank with date stamps per their request to prove my fraud claims were true, and that even with {$1300.00} in fraudulent charges I still had the money leftover to pay my monthly loan payment. I was told that because I didn't cancel my direct debit three days before the payment due date ( this would have been impossible as, again, I didn't discover the fraud until the XXXX, which is the day before the payment was due on the XXXX ), and because they sent me a reminder email on the XXXX of XXXX about the payment ( irrelevant as everything with my money/accounts was fine on the XXXX and I can not see into the future ), it wasn't their error and they refused to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: VA

Complaint narrative:
This account was paid in full the XXXX XXXX XXXX website

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had been looking at what mortgage products banks offered in XXXX of XX/XX/2019. I had authorized M & T Bank to run my credit at that time ( which they did ) and they provided me what they believe I would qualify for. I did not pursue anything with them as the mortgage product they suggested did not interest me. On XXXX XXXX, about a month later, i recieved an email from a gentleman named XXXX XXXX with a pre-approval attached. I had found out that my credit had been run again on XXXX XXXX without my authorization and it negatively effected my credit. I emailed XXXX and he stated that it was run a second time in error ( the first was authorized by me in XXXX ) and the report would be deleted but it still effected my credit.

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 2019-11-22 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: NV

Complaint narrative:
Experian XXXX  & XXXX  continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.

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 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for 2 different credit card consolidation loans. One was through XXXX and the other through XXXX XXXX. XXXX XXXX is also the bank that I use for my Checking and  Savings Accounts. XXXX XXXX approved me for {$6000.00} which would cover one of  the cards and the remainder would be consolidated by the other loan. I used the XXXX loan to pay off both Capital One Cards that I have. 
XXXX XXXX did not indicate that it would send a check directly and instead sent checks and a card to me. Without telling me, XXXX XXXX also sent an electronic transfer to Capital One - causing one of the accounts to have a {$4900.00} credit on it. 
I called Capital One on XX/XX/19 and the representative ( XXXX, # XXXX ) told me that they would cut a check to refund this overpayment in 7-10 days. After over a week of waiting with no check in site, I called them to find out where it was. 
The first person I talked to told me that the check was never cut because my call was disconnected on XX/XX/19. I knew that wasn't true so I asked to speak with his supervisor. The supervisor ( XXXX, # XXXX ) told me that my refund check was held up in a " verification process '' that would not be complete until XX/XX/19 and then AFTER that it would take another 7-10 days to cut and mail the check. She said that neither expediting nor an EFT was possible because their refund department is backlogged. 
She was unable to explain to me why my credit needed to be " verified '' for 15 days before the refund. 
It seems to me that a company that makes a profit charging interest to borrowers should not be allowed to sit on client 's money that isn't theirs for over a month and claim that its a process issue. Especially when the person I spoke with last week assured me that I would have it by now. Is there any regulation in place that prevents consumers from getting the run-around like this? It's scary that they can hold my funds this way ( funds accruing interest, by the way ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Bank turn down my request for a car loan due to misinformation. My Credit Score is  XXXX at XXXX. Ally Bank said they tried to get my credit score and was unable too. I called XXXX  to see if there was a freeze on my credit report they said Ally Bank never contacted them. Instead Ally Bank contacted XXXX XXXX and the reported misinformation about my credit score at XXXX. Thereby causing me not to get the loan. My Credit Score is XXXX not 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 2019-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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:
There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANCO POPULAR DE PUERTO RICO
State: CO

Complaint narrative:
Received a pre-approval through XXXX XXXX for a small personal loan of {$3500.00} at XXXX. 

Clicked accept offer, and once at the XXXX website, was asked for various documents. Uploaded all of these documents and received a call the next day to go over everything. 

In addition to my tax return income, I receive over {$800.00} social security XXXX pay month. I provided them my online statements from XXXX XXXX, which is where my benefits are direct deposited every month. Was told this was not sufficient to prove income ( has my name, address, deposits and my manual deposits to my bank account ). Was told they needed my award letter. No problem, I sent that. Was then told they had to have the tax form SSA 1099. No problem, I sent this. 

Told I needed to provide actual bank statements from XXXX XXXX. I explained that this is a government issued prepaid card, where only government benefit payments can be made. And that the monthly statements clearly show the SSA deposits, my name, my address, the bank transfers ( which they see on my actual banks statements ). 

Denied the loan. Was initially told it was because they couldn't use that income. Told later that information NEVER SHOULD HAVE BEEN TOLD TO ME. WHAT??? It's my loan application and my income and my denial. 

I know XXXX is going to supply some canned response that I was denied based on a credit report. Let 's see, a XXXX credit score, 1 percent credit card utilization, no late pays, delinquencies, 2 inquiries in 2 years ( 1 inquiry was from XXXX in XXXX when they did the EXACT SAME THING ) and the other inquiry nearly 2 years old for my XXXX credit card. 

The adverse action letter says to call the application review manager and lists a number with questions. Called and told there is no way to have any communication with that department or person. They will send a more detailed reason for denial upon my request. 

I asked again what specific information is not found on the XXXX XXXX statements that would verify the income. Told they can't tell me that, it's an internal thing. 

This is discriminatory lending as XXXX is refusing to include my SSA XXXX benefit pay as income. I have provided every document available that verifies this income. I asked if we could contact social security via phone to verify. Nope. But they do have the benefit verification letter yet and still this is not sufficient!? 

Funny, they pulled my soft inquiry to offer the loan last night. And that's STILL ALL THEY HAVE PULLED. NO HARD PULL HAS BEEN DONE, THAT'S HOW I KNOW IT HAS NOTHING TO DO WITH MY CREDIT REPORT. But I will bet when this complaint reaches them, a hard pull will suddenly appear.

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 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALCOVA MORTGAGE LLC
State: GA

Complaint narrative:
On XX/XX/2019 we were to meet at the Alcova location in XXXX Ga. Managers name is XXXX XXXX to close on our home we are the sellers and the buyers used Alcova mortgage the day before around late afternoon we were emailed by the office saying there was an issue and we cant close until its resolved well long story short we vacated our home and moved into our new purchase home and sat in waiting for 8 days phone calls were not returned we were lied to and had to push them to tell us something the 8th day we pushed so hard we got an email saying underwriting will denied this what?!!! We heard the loan office by the name of XXXX was friends with the buyers and she tried to push it thru. We are now under enormous financial pressure because of her. She XXXX should be terminated this was so embarrassing and stressful for us I will never recover from the emotional roller coaster they had us on. My agent and loan office said in 19 years they have never seen this before.

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 2019-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and XXXX  failed to do so. They sent me a later stating that the information is updated which should of been deleted.

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 2019-11-22 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: MI

Complaint narrative:
Equifax never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and Equifax failed to do so. They sent me a later stating that the information is updated which should of been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
Experian XXXX  & XXXX continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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