vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: WA

Complaint narrative:
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.

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 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Around the first week of XX/XX/XXXX I initiated contact in person with Chase, branch located on XXXX XXXX in XXXX. It is very close to my house. I have several accounts with them. 
I explored my choices on getting a loan and the types of product. 
At the end I was given a contact person and the possibility of two products. Refinance or HELOC. After a lengthy conversation over the phone with the bank representative I chose to apply for the HELOC. 
In the next few days I collected all the documentation they requested from me and took it in person to the branch, and in person gave it to the branch manager who was as always very proper, receptive and polite. 

A few days later I received by mail Chase disclosures on the loan and my rights under federal regulations. Also, someone from Chase left me a message. Her name, XXXX and I called back before XXXX, but she was not available. I left my number. The voice mail did not allow for a message, just a number. 

A couple of days passed, now it is XX/XX/XXXX, morning, I answered since I was in my free period between classes. I work as a XXXX. XXXX explained that she was the person I had to deal with for the loan. And needed me to do the application with over the phone and if I had 10 minutes at least. I explained to her I had already done the phone application over a week ago. She said it needed to be done with her. 
I was mortified that I had to do the application again. To add insult to injury, she recorded some of my responses I guess on the documents she needed. I explained all of those documents were delivered in person at the branch. She claimed she never received them either by fax or email. The minutes were running. As far as I knew the only thing missing was the appraisal which they had to schedule. 
She continue with questions, in a very discourteous manner. She wanted details on why I needed the money, exactly what I planned to do in the house and if I had already a contractor for the work. We hit several uncomfortable topics during this uncalled for interrogatory. Finally she told me that there was already an offer from Chase, at a lower amount. With the need to go back to work I told her all this had been a waste of time. Why not start where she ended and why all the inappropriate type of questions if they had already decided on what to offer me and according to her own words without seeing my documentation and an appraisal of my property. 
I am a long term Chase customer, have a mortgage with them, a checking and saving account as well as 3 credit cards. A Fico of XXXX and 21 years of employment with the same employer, XXXX. At the end this felt as pure and simple discrimination on the part of this division of Chase, or its employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, a series of fraudulent charges were made to my account. All but one of them was cleared from my account. The fraud charges resulted in me getting a new credit card. The charge that was not eliminated was for {$400.00} to " XXXX ''. I notified them via calls and messages and formally filled a dispute. When the dispute was finished, they said an error was made and the {$400.00} was put back on my account. Only this time it was three separate charges of {$400.00} each totally {$1200.00}. I called to notify them, was hung up on, and called back again. This time they told me they have to close my account again and issue me another new card. Complete waste of time to go through this all, have to switch over my auto pay bills all again, and still not have a resolution to it.

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 2018-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I settled this debt back in XX/XX/2012 and now another company is attempting to collect on this debt. Threatening to sue me and take me to court. I contacted Convergent and they confirmed verbally this debt was settled and closed. But will not provide me documentation stating the debt has been settled and closed.

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 2018-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/16 - XXXXXXXX XXXX XXXX XXXX Hard inquiry that is still affecting my credit score XX/XX/16 - XXXX/XXXX Hard inquiry that is still affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX  is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I did not open this card and now Im stuck paying on it.. I see on XXXX XXXX my monthly fee is $ XXXX  month. I can not afford that. I will pay $ XXXX   month and hope this is not negative on my credit report. I will also be filing police report on the person who opened this in my name.. I did not open it. My ex did and she used my new wifes name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Submitted an investigation to Equifax on XX/XX/XXXX ( attached ) re : XXXX XXXX XXXX reporting incorrect information on my credit report. On XX/XX/XXXX, I entered the confirmation number to check the status of my investigation online. It stated that I had no pending investigation. I then called customer services and spoke to an XXXX person, whom I kindly informed that she could not help me. I asked to speak to a manager. The manager checks to see if there were any pending investigations. I offer to give her my confirmation number. She informed me that the investigation had been completed and the results were emailed to me on XX/XX/XXXX. I informed her that I had not received an email and even if that was the case I should be able to retrieve my report online once I enter the confirmation number. I asked her about the results which she claimed that there was nothing they could do about the incorrect reporting by XXXX ( which I submitted ). Once I explained the circumstances to her she claim that Equifax does not have a history of my credit report history. She then stated that she would mail me a copy of the investigation report which I would received in about 7 to 10 days. She then stated that she would resubmit my investigation claim. I inform her that I would resubmit it myself. I am only having this discrepancy with Equifax. I do not have this discrepancy with XXXX or XXXX. I tried several times to enter the confirmation number for the dispute and it tells me that my information does not match. As of today, I will also be resubmitting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Cedar Associates LLC
State: CA

Complaint narrative:
On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my  girlfriend to call him for me because she works in the collection industry and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is Red Cedar Associates Llc. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have two capital one cards that have multiple cards and account numbers. I did not open these cards. My ex did and I paid the balance off to lower amount and now Im stuck with high balance. XXXX XXXX   says I owe $ XXXX month payments. I can not afford that. I am willing to pay $ XXXX  month. I do not want negative comments on my credit report. This account is fraud. I never gave anyone permission to open this account or use my social security number to open this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dear Sir, I have been member of Bank of America Individual Credit  Card since XX/XX/XXXX. I have called up Bank of America customer care and informed them to close my individual credit card at consumer request effective from XX/XX/XXXX. Bank of America closed my credit card on XX/XX/XXXX as requested by me. During my conversations with customer and written letters from  Bank of America, it has been mentioned that Bank of America may allow such as internet service provider, health clubs or insurance companies. when the card is closed, how does bank of America allow any transactions?. I have never ever used my individual Bank of America credit card for anything like internet service provider, health clubs or insurance companies. If someone use my closed credit card for any kind of transactions or bills ( service provider, health clubs or insurance companies ), this will be considered as Identification theft and will be communicated to FTC and Law Enforcement officers by filing the official complaint. Closed Credit card should not be allowed for any kind of transactions or bills, first of all I never used bank of America credit card for any kind of bills and only used for Balance transfer and committed Balance transfer amount, I have been paying monthly as agreed. I am not using this closed credit card and also not authorized for any kind of transactions. I am only using online credit card account to pay monthly payment till the complete balance is paid off. Monthly statements should be sent to me and allow me to pay the monthly payment for remaining balance. Since account is closed on XX/XX/XXXX, Any transactions in this account will be considered as identification theft and  unlawful. I also requested Bank of America to close the credit line and make to XXXX  so that there will not be any transactions in this account. Could you kindly direct Bank of America to close my credit line to XXXX  and not to allow any transactions ( since XX/XX/XXXX ) on my closed credit card, I am only allow to use online account to pay my monthly payment till it gets completely paid off. For any kind of transactions on closed credit card, Bank Of America is going to be legally accountable and responsible.

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 2018-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.

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 2018-06-22 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: PA

Complaint narrative:
The issue I take is with the company Experian.

I have filed 4 disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about an account that is not mine. I have called the credit card company that the account with my name is under ... They have no record of me as a customer. I have filed 4 reports all to get this incorrect card/info removed from my credit report and 4 times now Experian has not removed the incorrect information.

Furthermore, I tried calling Experian directly but they're phone service does not accept my SSN or any button inputs. Have tried from numerous phones and encounter the same problem.

Absolutely abhorrent service and company.

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been trying to deal with this since XX/XX/XXXX, but this still hasn't been fixed. I set up an automatic payment in XX/XX/XXXX, which was never set up until XX/XX/XXXX. After setting up the autopay in XX/XX/XXXX via email, I assumed that would take care of minimum payments. However, it wasn't set up as promised, and I was charged a late fee because of their inability to set up this automatic payment. They waived this fee in XX/XX/XXXX. Then I was told that the automatic payment would go through. And guess what, it didn't again. So I missed the next payment too, and I was charged another 2 late fees even after multiple calls. During all these calls, I was told that the late fees would be waived, but they still weren't, nor were the automatic payments set up. Then finally the automatic payment was set up on XX/XX/XXXX, but I was still waiting on the refund of the 2 late fees. One was refunded, but the second wasn't. When I called back, I was told that they couldn't refund it, even though on the previous call they did tell me they would. Not only that, but they have been charging me interest on the late fees which they have not refunded. After talking to them for half an hour today they finally told me they will not be refunding the late fees, even though it was due to their fault that even after setting it up in XX/XX/XXXX and following up with multiple phone calls totalling to many hours of time, this was still not resolved. I feel that this is utterly unprofessional and I should be refunded the late fees since it was their inability to set up a simple thing like autopay that caused this whole mess in the first place.

Company response to consumer: Closed with monetary relief