vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I filled out a new application in XX/XX/2018and I received funds XX/XX/2018. I checked the box that asked if I was in the military. I also at the time didn’t know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didn’t. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research I’m not responsible for the exaggerated fees and APRs. I’m requesting my account to be closed due to the violation of the Military Lending Law.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-17 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My credit report shows I am an authorized user with my ex girlfriend on a Wells Fargo credit card account . We have not been together in over 4 years  and have no recollection of signing anything for Financial  responsibility  in regards to a  XXXX debt that’s now classified as a charge off. I wish to have this removed as soon as possible thank you

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 2019-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OnXX/XX/2019 I made an online payment of XXXX on a Visa card issued by Bank of America that posted on XX/XX/2019. This paid off the entire balance and was 5 days before the closing date for the account. I was under the assumption that since the total balance the closing date that there would not be any additional interest charged. On XX/XX/2019I received an Email indicating that I owed a payment of XXXX. On logging into the account i discovered that they had charged XXXX in interest after the account was paid in full. I believe that there 1. There should not have been any interest charged and 2. That even if they did have the right to charge interest, the payment of XXXX on a new balance of XXXX is excessive. Account # XXXX 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 2019-08-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-08-17 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: TN

Complaint narrative:
I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes

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 2019-08-17 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: FL

Complaint narrative:
I tried to lift my credit freeze mailed all the appropriate documents to remove the freeze, to make a purchase and they will not lift the freeze. There is no live or human phone number to contact only by mail and that is bullshit. I don't know if they care but I lost out on buying my first time home because of this... I want the freeze removed I have tried everything... I sent my Social Security card number, my Drivers licence, my auto insurance info etc... where did it go? who the hell has my personal information? I am pissed.

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 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: GA

Complaint narrative:
Global credit and collection Corp took post dated funds out of my checking a account a week before the agreed date. I had called Global at the end of XXXX  and requested they take three payments out two of them being XXXX and the last payment being XXXX. They were to start the deduction on XX/XX/2019 and it be biweekly so the second payment t was to be on XX/XX/2019 and the last payment onXX/XX/2019. Global took the first payment out has agreed but the second payment was deducted on XX/XX/2019. I did not receive a notice regarding this until XX/XX/2019. This notice came in the mail with my XXXX  XXXX  documents and it does not have a post date on the envelope. The funds were withdrawn from my checking account on XX/XX/2019. Even the manager and representative said it was in their notes to deduct on XXXX and they didn’t know why it deducted on the XXXX the manger I spoke with said it was human error. I also know per the FDCPA they are not to deposit funds from a post dated payment early and have to send the intent to deposit letter 5-9 days before the deposit. Global has violated two regulations of the FDCPA. Since they did this I did request them to return my funds, which they did, and wipe the debt clean and be as paid in full, remove from my credit report, and send me a paid in full letter. Which they refused to do. I would like this company to be held accountable for not following FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX.  I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that.  Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management.  They claimed they were calling me in regards to a debt on a XXXX XXXX  XXXX  that was closed back in XXXX???  They had information that I owned the card from XXXX  until XXXX  (I believe this is true…I did have a XXXX   card around that time that was cancelled by XXXX  due to inactivity), and that the account was closed by another party in XXXX.  They threatened that if I didn't pay the debt they would make a denunciation on my credit report???  First I told the woman on the phone that all of my bills are currently paid.  She insisted that I have a debt that needs to be paid.  I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense!  The woman again told me I have a debt to pay.  I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX?  I told her I did not understand what she meant, and I asked what the charge was exactly for.  She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me.  They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint.  I did a little research myself and see that this “company” has been harassing people with false claims since XXXX.  Something needs to be done to shut this down!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new Chase Checking + Savings on XX/XX/2019 by using a promotion code provided Chase's website - XXXX?XXXXBy fulfilling the terms of service, I was expecting $XXXX as stated on their own website. "Enjoy up to $600Get $300 with a new checking account and another $200 with a new savings account with qualifying activities. Plus get an extra $100 bonus when you do both!"Now, Chase is reneging on the offer stating that a promotion code was never applied to my account and therefore, I am ineligible for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Basically I have been applying for basic accounts with XXXX XXXX XXXX XXXX   etc because XXXX are closing my account down on the XXXX XXXX 2019 and in order for XXXX XXXX to pay my benefit I need to pay it in an account under my name only like I have said I have tried basic accounts with certain providers and get a response back saying my application has been declined which is putting me in a financial situation where I can't pay my XXXX bills XXXX XXXX  food etc also I have a  current XXXX   against my credit file which is indicating I pay XXXXXXXX  a month which there's no way I can afford I have explained to XXXX and XXXX  solicitor I can't afford that considering I get XXXX a month with XXXX rent XXXX court fine XXXX council tax XXXX TV liscene top my phone up and buy food and toliterries etc which they have not listened  and this is causing health problems such as XXXX XXXX making my XXXX  XXXX XXXX and XXXX worse which have had for XXXX years and do not need this 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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NM

Complaint narrative:
On XX/XX/2018 I went to the XXXX XXXX  and purchased a PayPal prepaid debit card and loaded XXXX  dollars on there. After getting the card I called and tried to activate it. I was transferred to customer service cause they said something was restricted. Once on the phone with customer service she said they she was unable to activate the card. I didn't understand why she couldn't activate a prepaid card cause it's money I put on there. Is this a possible scam? She went on to tell me that there's nothing at all they could do and would send me a check in the mail for the amount I put on the card. She never specified about the restriction or anything. I just want my money back.

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 2019-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Tried to submit a little earlier. Had password problems.This is the 2nd time in two months that I have been blocked by someone.I was sending $XXXX  to a friend in XXXX.  Yes I know them and have previously sent small amounts of funds.  Then in XX/XX/2019 I was blocked by someone thru Western Union, XX/XX/XXXXand XX/XX/XXXX counter on international wires.Submitted a complaint to Western Union and CFPB.  CFPB sent me a update on XX/XX/XXXX  Showed that I was not blocked by Western Union.I went to wire $XXXX to XXXX at XXXX XXXX in XXXX XXXX Texas this morning.Read out a refusal code of XXXX XXXX.Could not send funds as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
The company closed my accounts after somebody stole my card an deposited to bad checks in my account an withdrawed the money now they want me to pay the money back

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 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My wallet was stolen onXX/XX/XXXX. I had a temporary Bank of America card that I reported stolen and I later received the permanent debit card in the mail. 2 weeks later I find out my bank account is dropping and apparently my temporary card which was stolen was never deactivated like it was supposed to be and someome was charging my temporary card over and over again at the same "XXXX"  grocery store XX/XX/XXXX 4 times back to back for a total of about XXXX$. I called Bank of America and they deactivated the stolen card but are now telling me I have to wait 3-10 days to get my money back. This is absurd and wildly unacceptable.

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 monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Hayt Hayt & Landau, P.L., Third-Party Debt Collector, has attempted to collect a debt that I do not owe. This Debt Collector did not have my expressed consent, authorized signature or court order to use my private information.They have called my family telling them I owe a debt and defaming my character.

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 2019-08-19 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: IL

Complaint narrative:
Viewed credit file through Transunion in reference to XXXX XXXX account showing as charged off on my file.  File shows last reported :XX/XX/19 in the amount of: $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 2019-08-19 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW 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 HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Collection placed in XX/XX/2016 with no notification of any monies owed from original account owner or the collection agency. Upon discovery of the account, a dispute was opened requesting proof of the account and a breakdown of monies owed - this was never received. 3 subsequent disputes and requests for breakdown have been requested - still never received, only a note on the credit report that it was proven to be my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have just received my new CapitalOne Venture credit card. My first charge onXX/XX/XXXX was a USDXXXX  annual membership fee. All CapitalOne’s advertising for their Venture card states that the annual membership fee is $XXXX for the first year, $XXXX pa thereafter. I have spoken with 2 CapitalOne agents and a Supervisor and complained that their advertising is misleading. CapitalOne refer to a detailed term and condition that states “Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One’s credit standards.” I have a number of issues with this:- this term and condition is given no prominence, unlike the $XXXX first year offer.- the above condition refers to credit standards not to fee waiver eligibility.- clearly there are no credit standards issues or they would not have given me a USDXXXX credit limit. In sum CapitalOne’s advertising is grossly misleading in my opinion. They are using a condition buried in a lot of detail to amend an offer and using credit standards as an excuse when this is just a fee issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Last summer, I took advantage of a promotional offer on Amex Rewards Business Gold Card to get XXXX rewards point if I spent XXXX dollars within 3 months.  I obtained that card for my small XXXX business, and after satisfying the spending requirement sometime in the Fall 2018, I received XXXX reward points.At that time, I ended up with two rewards cards: one was my personal card, called EveryDay Card, and another one, above-mentioned business rewards card. I called AMEX Rewards Customer Service to advise me which card is better to use. I was told that both cards basically offer they same rewards benefits, except on personal card, if I spend XXXX dollars a year in groceries, I would get additional XXXX rewards points--the feature that is not available on business cards. So I basically stopped using business card and started using personal card for my everyday purchases.Last Spring, I began considering to basically curtail my business activities, (I am XXXX y/o now), I decided that to get rid of the business cards that was no longer using. I called general customer service, and explained to a Representative(I believe, he was in XXXX or XXXX) to him why I wanted to close the business card account. He was understanding, and fulfilled my request.I must say that nowhere during that call he would warn me that  if I close the account before one year anniversary, I would be in danger of losing the XXXX rewards points.After Amex indeed took my XXXX points away, I called the rewards customer service and explain to them what happened last year and also this spring. Two rewards customer service supervisors who I discussed this matter, basically agreed that that automatic removal of XXXX points from me was a mistake, and I should file an appeal, which I did. I was also told that their customer service cannot correct this error: it should go to some unnamed "higher entity", which is supposed to do just that.After a few weeks without any news on my appeal, I contacted AMEX headquarters and was given a contact of Mr. XXXX, presumably from the AMEX Executive Office.Mr. XXXX was nice but completely useless: he wasn't one who was making decision in my case: it was someone else, who Mr. XXXX   refused to identify. He only informed me that my appeal was rejected. When I asked him to send a written explanation as to why and by whom it was rejected, he promised me to do so, but never did.As result, because of series of perhaps unintended mistakes by the AMEX representatives I lost XXXX rewards points that I could use in a variety of ways: from travel to hotel, car rental, etc.I believe the justice should be restored and AMEX as a company should be held responsible to the information provided by their representatives, wherever they are.

Company response to consumer: Closed with explanation