vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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: NC

Complaint narrative:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

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 2017-07-10 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: NC

Complaint narrative:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 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: NC

Complaint narrative:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX 2017 I reuested a credit report to dispute a report. I only wanted a report. Since then Experian has billed my banking account a total of close to 75 dollars. They were billing my bank card for services I did not know or request. XXXX were also billing my card. I called on XX/XX/XXXX to have this cancelled and a full refund. I was told they could issue only one month and could tell I received emails but could tell I did not access the account. I was told to email customer support. I emailed customer support and on XX/XX/XXXX. I received an email saying they were not going to refund my account and to call customer support. I called customer support and the sup XXXX said they were not going to issue a refund for services they provided. I advised that they can not just charge me for access to all three bureaus because XXXX were already charging me as well for services that XXXX XXXX was doing for free.

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 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
Navient Account # XXXX SSN XXXX I graduated from XXXX in XX/XX/XXXX, upon which my three ( 3 ) Federal Loans were activated. I was currently on an income-driven repayment plan with a total payment of approx {$510.00} per month, increasing over time. In 10 of the 12 months my payments exceeded the amount due, meaning I am paying my loan at a faster rate than the standard 10-year payment plan. <P/>Last week I requested to update my income-driven repayment plan as I switched jobs and took a pay cut. I also currently work abroad in XXXX XXXX, earning XXXX instead of USD. Over the last 2+ years the XXXX to USD exchange rate has been diminishing. <P/>I submitted the IDR Plan Request on XX/XX/XXXX. On XX/XX/XXXX my IDR Plan was approved. My monthly payment INCREASED from {$510.00} to {$890.00}. In XX/XX/XXXX I reported foreign earned income of {$20000.00}. It does not make sense that my monthly payment INCREASED to {$890.00}. This is 47.8 % of my monthly income. <P/>What I suspect happened is that they read my pay stubs ( reported in XXXX ) as USD. Rather than XXXX for example, they may have read it as {$250000.00}? Not sure - but this is the only explanation. <P/>When trying to contact Navient, scheduling a call back is the easiest so I do n't have to spend hours on hold, but they only accept US-based telephone numbers. I am not based in the US and therefore can not use this option. I am currently on the line with Navient ON HOLD. I was quoted a wait time of 10-13 minutes and it has now been 55 minutes. Speaking to them is nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were XXXX inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all XXXX credit bureau so far I had no luck. I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I 've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXX was XXXX XXXX XXXX XXXX, prestige, XXXX XXXX of XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: NY

Complaint narrative:
I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX card Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America - long time customer and small business owner with multiple accounts XX/XX/XXXX -  Went to local branch to notify them my father who I held joint accounts with passed away on XX/XX/XXXX and I wanted to start the process to take his name off joint accounts and also cash in two CDs he had and move the money into my personal account. <P/>It is now almost three months later and still not handled after MULTIPLE visits to the local branch, multiple phone calls, multiple faxes, multiple mailings of same documentation over and over again. <P/>I am the Executrix of the will. The will has been probated in the state of New Jersey. I have Short Certificates which have been given to the bank indicating the will was probated and I am the authorized representative of the estate. By the way, there is minimal amounts of money involved. <P/>XX/XX/XXXX - received a call today from the Estate department that they want a copy of the will. I refused because it is none of their business and they have the probated will documents with official raised seals from the State of New Jersey.

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 2017-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KS

Complaint narrative:
The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.

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 2017-07-10 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: NY

Complaint narrative:
On XX/XX/XXXX, I received and email stating my new card was on it 's way. On XX/XX/XXXX, I was resetting my password for my Capital One savings account when I saw 2 usernames linked to my email address. The second email address : " XXXX '' was not an account that I opened. I called Capital One savings customer service and was transferred to their fraud department. The representative in the fraud department deactivated the fraudulent online account and forwarded my case for investigation by Capital One. The representative told me that the charges were not my responsibility, because they were not made by me and to wait for a letter from Capital One. I activated the 90 day fraud alert and waited for the result of the investigation from Capital One. On XX/XX/XXXX, I received 2 letters from Capital One dated XX/XX/XXXX. One letter stated in " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The second letter listed all the fraudulent charges as not fraudulent and I was being held responsible for the charges : XXXX XXXX, XXXX, XXXX, XXXX, XXXX in the amounts of {$54.00} ; {$190.00} ; {$200.00} ; {$200.00} ; {$220.00} ; {$320.00} ; {$340.00} ; {$380.00} ; {$390.00} ; {$400.00} ; {$1300.00} ; {$1400.00} ; {$1800.00} ; {$2400.00}. I never received or activated the Capital One credit card, because it never arrived. A false online account was opened at Capital One, which I assume is related to the missing card. I would like to know how the card was able to be used when I never received nor activated it and how it was possible for a fraudulent online account to be opened. I do n't even know my credit card number. How was information I only sent to Capital One obtained by a third party who fraudulently activated my credit card and opened a fraudulent online Capital One account? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.

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 2017-07-10 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
<P/>
Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP
State: FL

Complaint narrative:
Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!

Company response to consumer: Closed with explanation