vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: KS

Complaint narrative:
i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After my apartments property manager misplaced my rent check, I called Chase Bank to place a stop payment on the check ( call occurred on XX/XX/2018 ). Apparently, the bank representative who was supposed to place the stop payment was insufficiently trained and did not do it properly. My check was later fraudulently cashed. Since then, despite a multitude of phone calls and in person visits to a bank branch, the bank has not resolved the problem. In fact, at every step along the way, at every point where new paperwork or a new motion must be filed, the bank asks me to wait a week then notifies me that an error has been made and their employee failed to correctly file the motion. 

It is now XX/XX/2018 and I have not been reimbursed for a check that was fraudulently cashed despite my having issued a stop payment. At every step along the way, Chase Bank has demonstrated lack of transparency, bureaucratic meandering, and incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had suggested to Bank Of America that they should add Airlines to their categories of their debit cards. I asked them if they had received it and they gave me a inappropriate answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Two items were placed in dispute from a " XXXX XXXX '' on or around XX/XX/31, amounts of XXXX and XXXX, a total of XXXX. These items are for items not received, the seller is a scammer as I explained to several Paypal reps, one of whom took the claim over the phone. The last rep I spoke with stated the seller provided info showing the items were delivered, which they were not. I have not received anything from this seller and the person communicates only through XXXX messenger, as most scammers do.I have not seen any proof of delivery, there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There is a bankruptcy on my credit report with transunion, XXXX, and XXXX that doesn't meet the requirements of the the New Public Record Credit Reporting Standards beginning XX/XX/2017. 

To my understanding this new law states that Credit reporting firms no longer will be able to include information about tax liens or civil court judgments in credit reports unless those records include a name, an address and a Social Security number or date of birth to match them to a specific consumer file. The new standards also require the firms to update public record information in their files every 90 days. This has not been done and as a result my credit report reflects inaccurate information. I have reached out to all 3 credit reporting agencies to get this account verfied and the only response that I received is that it was verified through XXXX. My XXXX XXXX report has been frozen by me so that is impossible to validate it. I froze the account to get ahead of the fraud that has been placed on 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 2018-04-06 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I was unable to transfer American express membership rewards to an authorized user. A customer representative told me that it was because my account has been under review. She also added that the review could take 6-8 weeks. I am really frustrated by this response. Hope that the accompany will resolve this problem as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good evening, I received a correspondence that my account was past due, to my surprise! This credit card was paid off in full. I contacted customer service to inquire about what was past due ( interest/late fee ), I requested that the late fee and interest charges be credited since the balance reflected was paid in full. I would like the charges credited to my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
You quys have my credit report that my car was repo two months ago and my never was repo I still have my car and paying you guys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Collection account placed on credit report XX/XX/18. Never received dunning letter or any correspondence regarding the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
This is in reference to my previous complaint # XXXX, which was closed without my saying it was resolved. My student loan servicer claims to have reallocated my payment as described in my complaint, but they have not. Only {$22.00} have been applied to loan E, when I requested that the remainder of my payment after paying off loan A, which comes out to {$530.00}, be applied to loan E. {$510.00} was applied to loan F which I never asked for. This situation is still unresolved and Nelnet is still not listening to instructions for allocations when I submit my payment. They are at this point purposefully obfuscating the problem, even though I specifically allocated funds to loans A and E when I submitted the payment. My special standing instructions are for my auto debit, and this is a separate payment that I made on XXXX2018. I have attached a screenshot of this in my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that Cash Call would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX  ( the collection agency they sold the debt to ). So I filed a dispute with XXXX, the status of my account went from " delinquent '' to " late 120 days ''. I called XXXX and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Per my credit report in XX/XX/2018 XXXX XXXX reported that I had a delinquent payment. There is no amount attached. I did not have a delinquent payment per my online statement. I called XXXX XXXX and they did not have an answer as to what happened but they would try to fix it. It hasn't been fixed yet. I understand that it hasn't been that long but this isn't the first time. When I was refinancing my home I found an old delinquent report from XXXX XXXX as well but it was so long ago it was hard for me to prove. If you look at my credit history I have never had late payments accept of course for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to sign up for a spending monitoring program and Capital One will not let me access my account through them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms. 

This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. 

https : //www.chase.com/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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: TN

Complaint narrative:
In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any XXXX Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep you now stuck internally for these fraudulent bank accounts and credit cards too. This is crazy. You treat victims with abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: UT

Complaint narrative:
Xoom has been notified my information was fraudulent used to obtain money from me using a fictitious link by a criminal person overseas. I reported it to my credit company that I was seeking services for my website from a company and they provide a link for my information. They used mu information fraudulently to take an unauthorized payment from my credit card. Xoom is trying to twist my words so they will not be responsible for the merchant charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that XXXX XXXX  would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX ( the collection agency they sold the debt to ). So I filed a dispute with Experian, the status of my account went from " delinquent '' to " late 120 days ''. I called Experian and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/2018, I sent a letter requesting the removal of the XXXX XXXX   from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
On or aboutXX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  to inquire about receiving assistance in reducing my property taxes and I spoke with XXXX XXXX XXXX XXXX  sent me a Docu-sign contract ; however, upon reading the terms of this companies fees I opted not to sign the contract and ended up using the law firm of XXXX XXXX XXXX XXXX XXXX. I continued to receive emails from XXXX XXXX onXX/XX/XXXX and finally onXX/XX/XXXXwere it said that my grievance application had expired. XXXX XXXX XXXX  were able to successfully reduce my taxes over the course of the past 3 years and they have been fully compensated for their legal services. This information can be verified on the XXXX County website and i have copies of the court documents as well.

Sometime in early XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming that I had an unpaid debt of approximately {$3000.00}. When I explained to the person on the line that I did not sign a contract with that company, she put me on the line with an apparent supervisor who informed me that it was a mistake. Since then, XXXX XXXX XXXX   has used various debt collection agencies like XXXX XXXX XXXX and recently, Roach & Murtha to aggressively pursue debt that I do not owe ( there were a few other companies that called me but refused to provide me with any written documentation. ) On Thursday, XX/XX/XXXX a female came to my house at approximately XXXX claiming to be a process server and served my wife with what appeared to be official court summons. But there was no appearance date or time and I was being directed to contact either the Roach & Murtha law firm or XXXX XXXX XXXX directly within twenty days to settle the judgement. When I searched the NYS court website there was no such case on file. I believe this be harassment and a violation of ethical practices.

Company response to consumer: Closed with explanation