vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WV

Complaint narrative:
On XXXX XXXX, 2017, I submitted a payment voucher to my loan servicer, XXXX, from my XXXX educational award, in the amount of {$280.00}. On XXXX XXXX, 2017, the request was received by XXXX XXXX. I was informed it would take 7 to 10  days to be processed. I have called on 3 occasions this month to confirm this payment. 

This morning, XXXX XXXX, 2017, I called XXXX since the payment has not posted. I dealt with an extremely unhelpful employee named XXXX, who did not provide me with any explanation, other than to say it was still being processed. I was informed that my options, should the payment not be processed were, 1 ) request a forbearance, or 2 ) make an additional payment. This is completely unacceptable. I do not wish to use a month of forbearance when I have already submitted a valid payment, and I do not wish to make an additional payment when I have already submitted one payment for this month. 

This is the 2nd time I have had to file a complaint due to XXXX XXXX not promptly processing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I spoke with a US Special Handling Supervisor by the name of XXXX about some inquiries that I did not recognize or authorize. I am a victim of identity theft and I 'm aware that any fraudulent and inaccurate information should be removed from my credit report. I explained to him that I had already contacted the company and they stated that I should call the credit bureaus, because they have no application or account with my name. XXXX also stated that he could n't dispute the inquiries, because he 's not allowed to which I know is a lie. I 've never had a problem with getting inaccurate information disputed. He was being very rude and yelling over the phone instead of trying to help me. I feel like my FCRA rights are being violated. 

The inquiries are : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/2017 XXXX XXXX/2017

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 2017-10-24 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: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2017-10-24 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: GA

Complaint narrative:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with Equifax, XXXX and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all 3 credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: NJ

Complaint narrative:
I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: CT

Complaint narrative:
I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a complaint XXXX and Experian investigated, and responded saying they would remove XXXX XXXX from my credit report, along with XXXX XXXX. XXXX XXXX was removed, but NOT XXXX XXXX. Original complaint # XXXX Dispute and request for debt validation was requested to Experian on XXXX2017 for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XXXX17- I called Experian to get the results and spoke to XXXX @ XXXXXXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. I filed a complaint with XXXX ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). XXXX XXXX agreed to remove the collection ( attached Company responded STATUS Company responded on XXXX/XXXX/2017 RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that there are two accounts on your credit report that you request be removed. Per your request to conduct an investigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The disputed accounts have been removed from your credit report. The result summary, confirming the removal of the disputed information, was sent to you on XXXX XXXX, 2017. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2017-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.

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 2017-10-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have not applied for any credit from chase, I want no credit from chase and they continue to rerun my credit checks for some reason. I have discussed this with them in the past over a year ago and they removed some credit checks now again they are doing it. I 'am being single out by chase bank as a victim as they are trying to damage my credit score, but I do n't carry there cards any more. I was on vacation all summer, XXXX XXXX in alaska back country and still applied for credit ( so they say ) Ha, Ha . I want all four XXXX hard filing removed from my transunion report and any future ones they may come up with, as I DO NOT intend to apply for their card. ALSO the XXXX excuse of having my identiy stolen as was their reason too. wo n't fly anymore. Just clean up their hard files or give me a excuse like they do and blame some one else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America LOST MY MONEY. Despite numerous attempts to resolve this problem with Bank of America XXXX see XXXX, XXXX, XXXX XXXX, I am still not getting anywhere on this. Bank of America says that they escheated my money to State of Wisconsin XXXX see attachment XXXX ). I did contact State of Wisconsin. State of Wisconsin said they DID NOT GET ANY MONEY FROM BANK of AMERICA in my name XXXX see attachment XXXX ). State of Wisconsin suggests that a representative of Bank of America contacts State of Wisconsin to resolve this problem ( see the attachment ). To resolve this issue, I want Bank of America to contact StatXXXX of Wisconsin to figure this problem out, and to find my money, and tell me where it is in writing. BANK OF AMERICA IS RESPONSIBLE FOR LOOSING MY MONEY. WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS.

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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Accepted promotional offers for 0 % interest terms. Paid one entirely and the second expires in XXXX 2018. Company charging interest on second transaction when not supposed to.

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