vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: CA

Complaint narrative:
On XX/XX/XXXX, I decided to take advantage of a balance transfer offer on my current Chase credit card ( Freedom Unlimited ) and transferred {$3500.00} from another bank. The website offer clearly states " 0 % APR through billing cycle ending in XX/XX/XXXX. Additional terms apply. The balance transfer fee is 3 % of the amount transferred with a minimum of {$5.00}. Respond by : XX/XX/XXXX. '' There is no fine print about the interest rate, nor any other links describing how this affects my current balance or fees on new purchases. I typically pay off my new purchases in full. 

OnXX/XX/XXXX, I was surprised to see an interest fee of {$14.00} on my statement. I had just paid {$2000.00} the day prior to pay off my new purchases. I contacted Chase and they THEN decide to tell me " If you take the promotional balance transfer offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ), you will lose that interest-free period. This means that you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' I am extremely angry at this. Had I known this BEFORE, I would not have done the balance transfer. With the balance transfer fee, it actually cost me more money now if I want to keep using the card. This is a waste of my time and money and extremely deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 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: TX

Complaint narrative:
I have credit car issued through Cabela 's Visa. This card had a due date of the XX/XX/2018, that was missed due to illness. The card company issued a late payment fee of {$35.00}. In addition they lowered the line of credit for the card. In doing this they affect a persons credit score and profile. The do this by creating a situation in which the credit is closer to being max out and the percentage is higher causing the credit score to be affected. Make it a double jeopardy event. Now this is not after a 30 day late payment. It is changed the day after or in this instance 6-7 days after the late payment was missed. This takes and places undo hardship upon a customer and causes two penalties related to the single event.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX i processed a payment thru my Bill to Pay in my Bank of America on line account and it should of been processed due to the bill pay calendar on the bill to pay XX/XX/XXXX i log in on the XXXX and nothing it did not process but there was no update of it that it was processing or pending failed decline etc ... .. so i went ahead because its the second time i encounter a problem with the bill to pay BOA i just instead went to the XXXX  and paid thru their website and in person because i cant trust BOA . so i always every single day log in to my online to make sure its all ok and nothing crazy happens or i get overdrafts or anything. Yesterday XX/XX/XXXX all day i had a balance of like {$690.00}. close to that amount and im mean all day because i even paid my cell phone {$350.00} at about XXXX or XXXX XXXX  and it went thru fine no problem.. all of sudden i wake up next day morning XX/XX/XXXX and im overdrawn {$1400.00} i was shocked it was XXXX how can this be. i check and its the first transaction that was suppose to get process on the XX/XX/XXXXaccording to the calendar in BOA bill to pay it got processed on the XXXX supposedly the bank and when i called first rep said that on the XX/XX/XXXXit failed because my account was short {$9.00} they didnt honer it i request a SUPERVISOR and she comes at me that the check gets mailed on the XXXX and its up to the XXXX when they decide to cash it and i just let it be bacause at this ponint ive woken up everyone at my house with the screeming and yelling. with BOA you will never win a customer will always be responsible i didn't belive a word she said and i was also due to that charge overdraw fees of {$35.00} and she only refunded 1 i can not express my disgusting word against this back here is in their own words from their own website what happens when u schedule a bill payment ( When you make a payment, you select the payment amount and the date on which you want your Pay To accounts to receive the payment. The funds will be withdrawn from your account accordingly. ) i also took this down from their own website and from the Bill to pay ( After a payment is scheduled, it appears as Scheduled on the Payments Overview screen. After the payment is processed, the status changes to Processed. The Pay To account will receive the payment by the Deliver By date. Sometimes, however, it can take a few days for a Pay To account to credit your account. ) AND IT CLEARLY SAYS HERE IT WILL GIVE YOU UPDATE OF THAT STATUS OF THE PAYMENT AND CLEARLY IT DIDN'T AND THIS SUPERVISOR WANTS TO BRAINWASH THEIR CUSTOMER WITH POOR INFORMATION SHE SHOULD BE FIRED FOR GIVING FALSE AND FRAUD INFORMATION TO THE CUSTOMER TALKING ABOUT THE CHECK GETS MAILED SHE SOUNDED SO PATHETIC

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 2018-03-27 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: KEYCORP
State: NY

Complaint narrative:
We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX. 
This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I HAVE TRIED TO RESLOVE THIS MATTER WITH XXXX XXXX FOR SEVERAL MONTHS. I HAVE SPOKEN WITH SEVERAL REPS THERE AS WELL AS A SUPERVISOR SO HE SAY. MY CAR WAS PAID OFF WHEN I TRADE IT IN. THE PAY OFF WAS COMPLETED XX/XX/2017 YET THEY STILL HAVE NOT MADE THE PROPER ADJUSTMENT TO MY ACCOUNT. MY CBR 'S STILL REFLECTS A BALANCE OF $ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NFCU ( Navy Federal Credit Union ) requested eligibility information after my account had been opened for 3 months. When I attempted to give them the requested info, it was unacceptable. I was told that my accounts would be closed, however they were not but my credit card was blocked so that I could not use it even though it was not delinquent. I requested for a dispute to be filed 7 times, my request were ignored. I attempted to make a payment on my credit card in XXXX that was accepted initially and then returned because Navy Federal processed my payment through a closed bank account that should have been deleted from their system. I attempted another payment on my account that was processed as a check even though it should have been processed as an ACH transaction. Even though I was told my accounts was going to be closed because my eligibility, they did not close my accounts but when I requested for my account to be closed I was told that it would not be closed until the credit card was paid off. I have been in constant contact with NFCU to resolve this issue and the only thing they are interested in Is payments on the card. NOTHING ELSE! .My credit is destroyed because of this and they don't care. I really feel that I've been profiled and discriminated against. Beware, this could be you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax merged my account with another woman, with the same first name- different last name. She's considerably older than myself and lives in a different part of the country. 

I contacted them, they acted like it was no big deal and that they would remove her records from my account. However, two years later they are still selling my information to her collectors. They get my personal address and my phone number and harass me. Her bad credit has also effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NY

Complaint narrative:
I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 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: NJ

Complaint narrative:
In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.

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 2018-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had an open credit card account with Bank of America and I have not been late on payments on this credit card ever since I applied for it on XX/XX/XXXX. On XX/XX/XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, bank of America credit card services have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, Bank of America have decided to close the account on XX/XX/XXXX. 
On XX/XX/XXXX, I reached an agreement with Bank of America to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. Bank of America did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2018 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I open a account with capital one and i deposit money to my the bank a year ago. and i still have XXXX dollar in my account. 
they put my account on hold and close my account and say that i cant withdrawn my money and told me have a nice day. 

i think there was a FDIC act that and banking rule that they suppose to give you back your money and closeing your account becuase they choose not to do business anymore. 
for a period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Auto Finance was compensated for the loan on account number XXXX. 

Capital One Auto Finance is still reporting at the State of Michigan Secretary of State that it has outstanding lien on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..

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 2018-03-27 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called to inform Navient that my mother had passed and that all the expenses for everything ( travel for my XXXX sisters and I, along with arrangements ) were coming out of my pocket. I already had a balance and said that I would be willing to work with them to resolve the balance, but I needed the next 4 months of payments to be postponed because of the $ XXXX in arrangements that I had to pay ( so far ). The only thing they did was tell me they could lower my payment by {$100.00} but it would have to be automatic payments. I said I would pay the {$680.00} to get my account up to date, but would not be making payments for something I could not afford over the next 4 months. The supervisor then said that she would no longer enroll me and that I had no options, and refused to work with me any further other than take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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