vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date back to mid-XX/XX/XXXX this year, my Citibank credit cards were all closed by the company with no reason. 

I have used Citibank for checking account and credit cards for a quite long time ( two years ). During the time, I always paid full for my credit cards balance, never produced problems, and never used it inappropriately. I even didn't ever make a dispute. Citi prestige card was even my favourite card and I brought it out everyday with me. 

I am a US resident alien and applied for card in-branch. I meet all the eligible requirement for the card. During the time I held the cards, I always paid full, rarely did refunds. I even rarely used the benefits for the cards. I used the card with me for everyday purchase. I can even recite the card number as I really used it a lot with online purchases. During the time I held the checking account, I believe I also did very well. The branch is just 2 minutes walk from my office of employment and I always had good time there. I really don't feel I did anything wrong. At least I should have a chance to defense for my self. 

The closure of the accounts with no reason is very disappointing and unacceptable. Moreover, after account closure, I called multiple times ( and also wrote to the executive unit as suggested ) about the reason of the closure of the account. Never got a mail or reply back, which is more disappointing. Moreover, the annual fee charged for both card should be working for a whole year, but during the middle of a membership year, my account was closed by Citibank, but annual fee still not refunded.

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 2018-07-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
The agent with whom I spoke, XXXX XXXX, mislead me into thinking there was a possibility of a reverse mortgage even tho the property ( manufactured home from XXXX ) was not eligible. I told him the type and date of the unit on the first call in mid XXXX. As a result, AAG charged me {$470.00} for an appraisal fee which was never conducted ( taken via debit card XXXX on XX/XX/XXXX ). I have been trying to get a refund of the fee since early XXXX. 

I stopped negotiations for this loan with XXXX XXXX & AAG on XX/XX/XXXX through email after finding information on AAG website about the elibility of the property. When I told XXXX about what I found on the website, he said the website wasn't always accurate. In email he indicated that he had submitted a request for refund of the appraisal fee ( XX/XX/XXXX and XX/XX/XXXX ). 

Subsequent follow up calls and emails resulted in XXXX XXXX advising me via email on XX/XX/XXXX that I had to contact the appraiser for a refund. Subsequently contacted the appraiser who had not been paid for the service as it was not performed. The funds were taken by AAG and should be returned by AAG. 

I am XXXX years old and living on Social Security with little savings. I felt a reverse mortgage would provide a safety net and was willing to invest in the counselling and appraisal to procure it. XXXX XXXX advised there was no issue with my credit rating. He should not have encouraged me to pursue the mortgage. 

On XX/XX/XXXX I received a statement of credit denial for loan # XXXX, dated XX/XX/XXXX for the reason of " Property does not meet minimum HUD standards. '' I am requesting that AAG return the {$470.00} for the appraisal fee that was not cconducted. 

I am also requesting that AAG reimburse me for {$120.00} that I spent to acquire a Certificate of HECM Counseling from Credit Card Management Services that was required to pursue a second mortgage. XXXX never should have referred me to such counselling as he was advised in the first contact call the type and date of the property. 

I have sent several emails and a letter to AAG ( attached ) and have not received any acknowledgement or response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 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: SC

Complaint narrative:
On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.

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 2018-07-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I regularly check my credit reports, and noticed it's been over 7 years since my Sallie Mae account transferred to XXXXXXXX XXXX XXXXXXXX XXXX. I reported it to all bureau asking that Sallie Mae listed on my report dated XXXX be removed as its over 7yrs. I received several letters from Navient, stating the information they have provided to the bureau 's are correct, meaning that I have an account with them. I immediately responded asking Navient to provide document to support an open and active account with them, as they've been reporting. They have provided nothing to support my having any obligation to pay them. As noted my account was transferred prior to Sallie Mae going defunct in XXXX and Navient taking over. To date my account with XXXX XXXX XXXX XXXX is in good standing and payments made on time. Navient is not listed any where on my Student Loan as having any  association with my account at all. I've asked them on several occasion to provide documents to support an open active account. They provided me with my promissory note dated XXXX, XXXX, which is NOT in any way showing that I'm obligated to pay Navient, but the XXXXXXXX XXXX   XXXX which again is in good standing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: OH

Complaint narrative:
Applied for a conventional mortgage in XXXX for a new home. Lender said I had a previous " Forclosure '' on my credit report. I have limited time to qualify for this loan in order to close on my new home, which is scheduled for XX/XX/XXXX. 

The mortgage servicing company, XXXX XXXX XXXX, is reporting that my " account was paid for less than full balance '', indicating that there was a forclosure and short sale. This is innacurate as the loan was indeed " paid in full with no balanbce due I have provided the HUD-1 statement from the sale of the subject property, and the payoff letter from from XXXX. I have contacted XXXX, who confirms that there was a forclosure started, but it was retracted since the loan was " paid in full with no short dale '' and that the payoff was not due to foreclusure. 

I recieved notice today from Equifax that they have completed my dispute regarding the inaccurate Information on my report. They said they confirmed the information, stating that the " Account ( was ) Paid For Less Than Full Balance ''. 

The lender said that this inaccurate reporting will prevent me from obtaining the loan necessary to close on my new home. 

I am enclosing all pertinent documents, showing that the XXXX reporting on my credit report is inaccurate. Their reporting is, and has been causing me financial harm. Please help me. I have done everything I can to get this corrected, and don't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: FL

Complaint narrative:
I payed a large fee up front to Ameritech Financial in XXXX of 2016 and have been paying {$99.00} a month since. There should have been no fee for this service. I am a single mother just off XXXX with a XXXX XXXX child. This money did not come easy to me. Also, all my payments ( around {$3000.00} ) should have gone towards my student loans. They did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One Auto Finance ( COAF ) of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX  credit reports XX/XX/2018 related to that fraudulent application. An official dispute was mailed to COAF XX/XX/2018 and as of this date COAF has failed to reply or provide a response to the status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: DC

Complaint narrative:
I called Equifax to have multiple two year old hard inquiries removed from my credit. 

Equifax had the wrong DOB listed for me. I was advised to send in a copy of my Birth Certificate and DL to have that corrected. 

Secondly, Equifax advised me- any creditor has the right to run a hard inquiry on credit at any time if I do not freeze my creditor. Therefore, in XX/XX/2016 I had numerous hard inquiries on my crdit that I did NOT authorize. There are authorized inquiries in XXXX and XXXX of 2016- that should be removed. Equifax failed to remove them and after our conversation, she told me there is nothing she can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I contacted Disciver to get replacement cards. Discover notified me of the cards being produced and in transit. The cards arrived. I had to call to activate the cards. Upon calling today, XXXX XX/XX/2018 at XXXX, after a lengthy hold, they informed me they closed my account " due to inactivity. '' I GOT REPLACEMENT CARDS TO USE THE CARD, THEY SENT ME THE CARDS, THEN SAID IT WAS INACTIVE WHICH WAS THE VERY REASON, ON MY OWN, I WANTED THE NEW CARDS. I believe there just has to be something more here like age discrimination or job discrimination. I have an XXXX FICO 8 credit score -- KNOW VIA THEIR OWN WEBSITE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Notified on XX/XX/2018 by CapitalOne Master Card of charges on our card ending in XXXX at XXXXXXXX XXXX. On Sunday morning at about XXXX I called their Fraud Dept.. Three charges were made that night as follows : XXXX XXXX XXXX XXXX XXXX for {$3000.00}, XXXX for {$15.00} and then again for {$17.00}. CapitalOne cancelled that card and removed these charges from this card and took action to issue a new card. Today CapitalOne notified us of a new charge to XXXX XXXX for {$380.00}. I called CapitalOne as this charge showed against the new card that we have not received as yet. XXXX a Fraud Account Mgr. indicated that this charge was allowed against the cancelled card because a number of attempts was made to process it. She indicate that this happens at Visa and MasterCard. It appears that there is a flaw in these credit card  systems that allows a fraudulent charge to be processed against a protected cancelled card. It appears that there is a programming issue in these credit card companies that is putting consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX about 4 alleged accounts they claimed to have in collection, one of  which was for {$320.00} dollars. The phone number that showed on my caller ID was ( XXXX ) XXXX and was identified as " XXXX XXXX. '' I answered, as I do have current accounts with XXXX XXXX. The agent who answered the phone immediately identified herself as calling from XXXX XXXX in order to ensure that I would verify my identity. After identifying myself to the person I *thought* was calling from XXXX XXXX, she indicated that she was calling from XXXX XXXX XXXXXXXX and discussed possibly making payment arrangements on these alleged debts. 

As this is in clear violation of the Fair Debt Collections Practices Act : ( 14 ) The use of any business, company, or organization name  other than the true name of the debt collector 's business, company, or organization. 

I would like to file formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Every month I take out a {$250.00} payday loan from XXXX XXXX XXXX. Its oaid off in time every month. This time I receive an email saying my loan is soon due and if you want for a special promotion you can convert the payday loan into an installment loan ( first uploaded image ). So I click the link in the email to see what they are offering. I reach a page ( the second uploaded image ) that shows my loan information and a box that states Get Started in big letters with smaller print stating get the funds you need you are now eligible for an installment loan. See how much you can receive I wanted to see what the offer was even though I knew it would be a rip off. So as soon as I click the link the web page now takes forever to load but once it does it shows the loan details to which I just close my browser. Later that day I receive a hard inquiry alert from Axcess Financial on my XXXX. Ive contacted them 4-5 times the first three were just customer representatives saying the same thing over. The others tried to show me how I accepted the inquiry but the websites they displayed I never visited. This computer is a predatory company but I have to already give them {$50.00} every month just to roll over me {$250.00} payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. 

Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from Nexis Lexis. I  have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. 

Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX  ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: SC

Complaint narrative:
On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have previously filed a CFPB complaint via CFPB reference number XXXX ( PLEASE REFER TO THIS NUMBER ). In that complaint I outlined how National Credit Adjusters has violated my consumer rights by not properly validating the account within a timely manner. As of today, more than 90 days has elasped, and the company still continues to not provide the information I have requested on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/2018 I purchased a set of eyelashes priced at {$45.00}, after I used my debit card to make transaction I realized that the company had included 2 add on products not requested to my transaction. I sent my first email right after I made the transaction and seeing the charges went up to {$81.00} at XXXX XXXX, after that I must have sent like 7 or more emails with no response. The company 's name is XXXX XXXX XXXX their customer service email is XXXX. I did my own investigation on their XXXX page and as I started to read some of the customer 's comments I saw a few people with the same situation. they were over charged for no reason with no refund. The company does not have a customer service phone #. My order # XXXX. my expectations are to get a refund and have company be investigated.

Company response to consumer: Closed with explanation