vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank is refusing a refund of {$590.00} for putting my mortgage in Autopay.

When I took a mortgage out, I was casually told I'd get a refund of {$590.00} for putting it in Autopay. I had to reach out multiple times to get an answer on what to do to get this money back, and was told I needed to do a few things, one of which was signing up for paperless statements, and that I should do that when I got the statement in the mail.

They sent the paperwork in the mail to my old address so I never had the chance to be notified via mail that I was now able to sign up for paperless statements. Called in several times  because I never got the refund, and was told it was processing on XX/XX/XXXX. 

After complaining yet again, I talked to a rep that now says I didn't subscribe to paperless statements in time, which I doubt because no one told me that ever before. 

Not only the way they communicated the requirements of promotion wasn't formal, clear and conspicuous, they're now changing the story to not give me back the money they promised. 

I've been a loyal customer of Chase since XX/XX/XXXX. I have never, ever missed one payment. I not only have a checking and savings account, but also several credit cards, one of which costs me {$450.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2018 i disputed said debt with Experian credit bureau and to this day have not received any verification that the debt is valid, which now is beyond the the 60 days beyond the FCRA. The Fair Credit Reporting Act states that the debt must be removed from a consumers fico report if the debt can not be verified or validated within the 30 day investigation period.

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 2018-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid down the balance of the Capital One credit card last month prior to the XX/XX/2018 reporting cycle via XXXX XXXX. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not XXXX. I tried resolving with Capital One with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I opened an account in XX/XX/2017 with TD Bank. After opening it, I went back to my home country and realized the card and the bank account have my last name misspelled. 

For that reason, I couldn't set up home banking for a while, and because of the $ XXXX monthly fee for printed statements ( that nobody told me about ), my balance went below {$100.00} and I started getting charged for monthly maintenance. 

I've been able to create an online banking account now but I need help with getting credited back the maintenance amounts that you deducted, also because I can't use my money or my card at all. 

After this, they credited my account, the system still sees that my balance was low at some point ( which happened thanks to their actions ) and it now the deductions don't stop happening even though my balance is {$100.00}. They keep deducting a unjust maintenance fee, and I can't fix it since I'm not in the US to go to a branch and they refuse to fix it over email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 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/XXXX, i contracted services from XXXX XXXX. I requested a video inspection and report and was quoted {$450.00}. I agreed to the charge and was advised that a report would be provided within 24 hours. I called the morning of XX/XX/2018 and the company advised i should be receiving the report by XXXX, called at XXXX and they advised before end of business day. By XXXX i called one last time to request the video and report and the manager XXXX advised that the machine was broken and they did not have any report to provide. At that point i advised the manager that i would like a refund because the service i requested was not provided in a timely manner as they promised. Since this date i have called and text on numerous occasions expressing my dissatisfaction. There has been no effective communication on when i would be receiving my money for a service i never received, Chase has decided to close the claim against them without seeking out further information from the consumer. I have advised chase that i am unhappy with their decision and would like if further investigation could be taken and they advised they can not do anything else. I don't think Chase did enough on my behalf to rectify the issue and allowed a business to bully me out of {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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:
I paid down the balance of the XXXX XXXX credit card last month prior to the XX/XX/2018 reporting cycle via trans union. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not transunion. I tried resolving with XXXX XXXX with negative results.

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 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one credit had fraudulently applied for a credit card without my consent application number XXXX. After The company required more information for validation, I was told I have a 90 day time limit from numerous representatives at their call center and supervisors. When I sent the final validation information into capital one and called them, they had stated they would be pulling another credit check, and I told them that is not what I've been told, that i was going to make a complaint to the FTC, and do not make another credit check, and I do not want the credit card. For the 2 months prior to the company refiling my application, I told many customer service reps and supervisors that i do not want a 2nd credit pull. Its in the companies call logs/ recordings, and in their notes within my account. Capital One had processed the application anyways without my consent, and my clear response of telling the company no. After repeated attempts to have them remove those credit pulls nothing has been done. Pennsylvania and Federal laws clearly show this company is in major violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is an item on my credit that is quite old and was settled up years ago through a debt consolidation service/ Legal representative called XXXX XXXX/ XXXX XXXX XXXX whereby this item was settled and negotiated and paid yet it is on my credit as a past due and I can not buy a home because of it. The item is XXXX and is on all 3 credit bureaus.. 
also the balance is XXXX and should read XXXX. AC number is XXXX closed back in XX/XX/2013 but keeps getting reported every month

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 2018-07-02 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:
I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.

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 2018-07-02 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:
I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.

I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.

I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.

I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.

I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.

I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.

Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Both TransUnion AND XXXX but even more so TransUnion since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a XXXX XXXX school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, N.J. I " believe '' by the former owner XXXX XXXX or XXXX or one of  his appointments handlers at the school at that time ( circa XX/XX/1999 ). 

Both TransUnion AND XXXX have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a XXXX school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both TransUbion & XXXX! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!

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 2018-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Problem : Equifax makes it impossible to unlock credit report on the internet, as was originally promised. XXXX recommended I call a number that was supposed to be Equifax but was actually a SALES PROMOTION that wastes tons of time. 
Shame on XXXX and Equifax. They should be fined. 

DO NOT CALL THIS NUMBER XXXX it is a sales pitch for Cable Services, and is NOT a means to contact Equifax. This is a trap. 

When you call XXXX the customer MUST listen to many minutes of " free '' offers and then is sent to a Cable Company SALESPERSON to get a sales pitch. This number was given to me by XXXX who told me I HAD TO CALL THIS NUMBER to unlock my credit. 

I was expecting to unlock my credit via the internet, as I have my codes all organized. Equifax will not allow me to do this, instead sending me to a Cable Company for a long sales pitch. 

On Friday XX/XX/XXXX, I went online to use my unlocking codes to temporarily unlock my credit through Equifax. I was advised to do this through XXXX as I am applying for a new Credit Card. I had tried to unlock credit through Equifax on internet, but this is now impossible, even though I have the code to supposedly unlock my credit online. I had to pay a mandatory fee to freeze my credit in the first place, even though Equifax was responsible for the MASSIVE BREACH in XX/XX/2017. 

By XXXX Eastern time, I was told by XXXX to call this number : XXXX. 
I had to wait until Monday Morning to call this number. Then I spent many minutes on hold, then I got a sales pitch for Cable Services. Finally, I called XXXX and after many minutes on the phone had to give up my codes to a human who could also breach my data. 

Since I am paying for this service, even though it should be FREE, it should work on the internet with the correct codes. All phone numbers should work on weekends. 

Equifax should pay me money, for having to waste MY TIME on their sloppy, underfunded, nasty credit reporting business. Ditto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My mortgage is serviced through Ditech. I have PMI on my mortgage. I performed a substantial amount of work on the home and I called Ditech to ask what the procedure is to remove the PMI due to increased value of the home. The representative stated that I needed to order an appraisal and forward it to an email address she provided. I specifically asked if I could order the appraisal myself and she stated that was their procedure. I informed her that I was having an appraisal done by another lender as part of a HELOC application and I asked if could use that appraisal and she said absolutely. I submitted the appraisal as instructed and was called a day later by Ditech informing me that they could not use the appraisal as they need to order the appraisal. When I pointed out that this was in direct conflict with the information I was given the representative acknowledged that I was given the wrong information and promised to escalate the issue to her supervisor for an exception. I got a call today ( 4 days later ) informing me that they can not use the appraisal and would be willing to reimburse me for the cost of the appraisal if I provided them a bank statement showing the appraisal fee being paid from my account. This is not satisfactory as I want to eliminate my monthly PMI of {$100.00} per month and I followed the protocol they provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 that he did not authorize with TD Bank/Nordstrom. He contacted TD Bank/Nordstrom of this issue when it occurred and was told the inquiry would not be reported however upon review of the credit report the inquiry was found. An official dispute of this item was mailed to TD Bank/Nordstrom XX/XX/2018 ; as of this date TD Bank/Norstrom has failed to reply as in their obligation under FCRA. This is a violation of my client 's consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
This is now my second complaint with the above company. In my original complaint I stated I had not received any written notification about debts and was not allowed time to dispute that debt before it was placed on my credit report. The agency agreed to remove debt from my credit in response to the complaint here on consumerfinance.gov and that still has not been done. 

Per your response. : XX/XX/2018 AmSher understands how frustrating it can be to have accounts in collections. However, we mailed the initial collection letter as required by the FDCPA to the address provided by XXXX XXXX XXXX. Since then there have been two address changes. We sent validation to each new address. Nothing came back to AmSher in the mail to let us know it was undeliverable. Attached is validation for Ms. XXXX to review. The balance is valid and owed, please contact us at XXXX to setup a repayment plan. As requested by Ms. the accounts have been submitted for removal from her credit. Please allow up to sixty ( 60 ) days for each of the bureaus to update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.

Company response to consumer: Closed with explanation