vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
With my Business Platinum Credit Card through American Express I am promised a XXXX to XXXX ( XXXX per point ) value per point with my selected airline. After that I am also supposed to get 35 % of my points back on with flights booked thorough my selected airline. My selected airline is XXXX. XXXX XXXX does not allow amex travel to book directly with them. Because of that I am required to book directly with XXXX wait for the payment to post- then call AMEX to get the point adjustment. I have done this many times previously, I have had the card for almost two years now. This time an American Express representative is trying to keep my points and not give my 35 % points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Our credit card was hacked after paying someone through PayPal. Our bank cancelled our card, but I just received a letter from PayPal Credit advising me of a newly opened account. I did not open this account and a phony email address is listed for 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 non-monetary relief
Consumer complaint received 2018-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report XX/XX/XXXX and I found 4 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 

1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/18 someone used my social security number, DOB,  and potentially other information to get a PIN for my Capital One 360 online savings account, where the person changed my password. Luckily, I noticed the password change notification and put a hold on my accounts. Based on the information the Capital One security team provided to me, the perpetrator was most likely my soon-to-be-ex wife, who has no legal right to that account or the funds in that account. 

Capital One claims that they have two factor authentication in place to prevent this type of attack from occurring. However, the perpetrator was able to use their own phone number for the second factor - a phone number that has never been registered with Capital One or associated with me in any way that I know about. 

Upon further discussions with the Capital One security team, I discovered that they will consult a 3rd party database to determine if a phone number is associated with an identity rather than the information provided by the customer. So, apparently the perpetrator has signed up for some other account or service somewhere using their phone number and my information. This was enough for Capital One to use that phone number as the second factor of authentication. Meaning, the attacker can use the first factor ( information about me ) to generate the second factor ( a trusted phone number ) at will. So, they do not use two factor authentication as claimed. 

There is no way to disable this 3rd party database check, so I have no way to protect my accounts going forward. It's already proven the person in question has all of my information ( which could happen in domestic cases like this, data breach cases, etc. ) and that is sufficient to bypass all of Capital One 's security ( which is what true 2 factor auth is intended to prevent ). 

Due to this, my account and funds have been on hold since that time. I have made repeated explanations to their security team how this is a major security hole as it effectively makes their two factor auth single factor auth. The reps I have spoken with claim that their superiors don't see this as an issue, and that I'd probably get more traction if I had actually let the perpetrator steal funds from my account rather than preventing the theft. 

So, effectively Capital One is stating that they do not have the ability and/or desire to protect its customers from fraud due to security holes in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX, specifically XXXX, XXXX or XXXX has been calling my work, my sister-in-law 's business looking for me. I am making payments on time. I have spoken to them and told them not to call me at work. Yet they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX/XXXX account number XXXX High Balance is  reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: ID

Complaint narrative:
XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
OnXX/XX/ I opened an online IRA certificate of deposit ( 12 month with an APY 2.50 % ) for {$1.00} with Capital One bank and completed an IRA deposit form. I mailed my XXXX disbursement check from XXXX XXXX for {$240000.00} instructing Capital One bank to deposit this check into the new CD as indicated on the IRA form that was attached. 

On XX/XX/XXXX, Capital One received the check and to my dismay they deposited the funds in to a regular savings account at 1 % interest without my knowledge. Even though Capital One had all of my contact information they neglected to advise me of any problems. Also, I never even received any acknowledgment that they even processed my funds - I had to call them. 
On XX/XX/XXXX I contacted their call center and found out that a regular IRA savings was opened. Apparently, they could not add the check to the account that I had opened. I indicated that an adjustment of accrued interest was due and had to escalate the problem to a Manager - XXXX XXXX explaining that I should be compensated for the loss of interest ( 1 % vs 2.50 % ). Several days later, XXXX explained that they can only credit 8 days from XX/XX/XXXX when the funds became available ( {$79.00} )? I believe that I should have been compensated for the loss of interest from the day of deposit which was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 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: CA

Complaint narrative:
XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I purchased a house in XXXX XXXX, NC in XX/XX/2001, when purchased it was not in a flood zone and did not require flood insurance. This year Wells Fargo informed me that FEMA had changed the classification of the zone and I was required to buy Flood Insurance. I argued with them but finally paid {$500.00} for Flood Insurance. 

Wells Fargo proceeded to buy insurance on top of the insurance I purchased and charged my escrow account {$1100.00}. I called and discussed the matter with XXXX on several occasions and their response was for me to have my property rezoned by FEMA. I opened a case with FEMA ( Amendment Project is Created with Project Number = XXXX ) and have not had a response yet. 

In the 18 years I've owned the house I have never had a flood. Recently Hurricane Florence made a direct hit on our house and caused the worse flooding in NC history, but we had NO flood whatsoever. Which indicates to me we are not in a flood zone and I never needed to purchase flood insurance and Wells Fargo had no right to charge me {$1100.00} extra. 

Now I want to pay off my mortgage but see they have added {$1100.00} to my payoff, I have made numerous calls and written letters to no avail. I just spent one hour and nine minutes on the phone with Wells Fargo only to be hung up on. Their only response so far is there is nothing they can do because FEMA changed my rating and I have to have it re-rated. But who knows how long that may take and they say nothing about dropping the {$1100.00} they indiscriminately charged 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 2018-11-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I currently have 16 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 16 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that a

re 1. FIRM LINE OF CREDIT * ( result of open account only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inq
uiries should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I currently have 19 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on 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 explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet,  customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX   University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XX/XX/2018 this Bank applied money that was in their suspense account to my principal and commenced a foreclosure proceeding against me. Why did you apply money to my principal when I still owe my monthly payment?

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 2018-11-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello. This is in regards to XXXX XXXX XXXX charges from Citibank that were charged on my card every single month since the year XX/XX/XXXX without my permission. I never enrolled in this program and did not authorize these charges. They have been robbing me every single month from XXXX. My request for a refund has been denied by their Executive Response Unit member by the name of XXXX XXXX. They are claiming that I enrolled in this program during a telephone call back in XX/XX/XXXX which absolutely false. I contacted XXXX XXXX several times to request proof of this telephone call of my enrollment, leaving him several messages ... .still to this day did not receive a callback from Citibank XXXX They are refusing to refund my money and will not cooperate in any way. Please help!

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 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a follow-up of complaint XXXX that is still in process. I was called by B of A a couple of times about closing this account. The last time they called a day or so ago, I asked why this account was not being closed. The lady told me and I quote " we are investigating the back end ''. I have no idea what that means and she could not explain it to me when I asked. Every other credit card and banking account have been closed for some time with no issues but for some reason, this is taking a month now and still not resolved. Who else can I submit a formal complaint to? Are there banking regulatory entities that I can complaint to. This is absolutely nuts and I would like to pursue the reasoning behind no closing an account when requested. There is no " back end '' as my Mom is dead and that is why the account is being closed. She died XX/XX/XXXX and this account is still open.

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