vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2017 I used my credit for a temporary deposit on a rental car for XXXX for the amount of {$340.00} and in XX/XX/2017 as well a charge of {$84.00} a total of {$430.00} and the vehicle was returned on XX/XX/2017 and I the i was told my deposit was going to be back in account in 7 days I filled a complaint and a dispute couple of times and I did fax Bank of America the proff that XXXX released the full amount back to my account and Bank of America does not refund back my funds to my credit card so I have been back and forth with Bank of America since XX/XX/2017 and till this date not have a resolution to my money. I have all the case numbers dates names and all of XXXX emails and proff of the credit release and it has all been sent my Bank of America so I desperately please need help on getting back my credit that I XXXX intitiled 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 explanation
Consumer complaint received 2018-12-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX of 2018 My XXXX XXXX was wrecked and totaled. At the time my account had a balance. Prior to my due date my insurance company sent a check of XXXX for payoff of my vehicle. 

There is still a shortage on the account and a gap claim has been filed. I am awaiting for them to send the payment over Per my insurance company it has already been sent. 

However even with the shortage the check of XXXX should have counted towards my payments there is no way Chase should be placing late marks on my credit they just placed one today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
We moved from our apartment in XX/XX/2014, we transfer all of our utility and was told by the companies that we were paid up on everything. Apparently we were not-We are in the process of trying to buy our home and we pulled out credit a few months prior today. We found a collection on our credit report from XXXX XXXX XXXX. They placed a collection on our credit in XX/XX/2014 for XXXX XXXX XXXX XXXX. This was a very surprising. We have never heard of this company, nor received paperwork from them or the electric company. 

I called and set up payment arrangements with them to take care of the balance, we were under the impression that the account would be removed from our credit report. But the company did not do that-we found out that they re-aged the account to reflect the payments, which made it look like it was a new account on our credit report. My wife tried to call them and she got two different answers from a collector and the supervisor. She was first told that they ( the collection company ) is not reporting the item and they we need to call the original creditor to get it remove. Then the supervisor stated that they report the payments on the credit and will update as need. We told them that we never received paperwork from their company and we were the ones that contacted them- Both the collector and the supervisor didn't have our correct address and we had to correct them twice. The supervisor stated that the company didn't get any returned mail so they are going to keep it on the credit. 
This is not right-I didn't know that I could dispute this debt, or have the right to talk to the original creditor. I still don't have a clue what months I was charged for-I didn't even get a chance to pay it and keep it off my credit report ( the supervisor stated that if the account was in there office over 60 days then they report to the credit companies ) When I paid the bill, I was not advised of any of these rights or that paying this account would re-age this account and lower it 25 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX i applied for a credit card. I was shopping around and chase had an offer on their website {$200.00} bonus for spending {$500.00} when approved. Cool i thought it asked me if i was already a customer which i am. It asked to enter info to validate to streamline the application. So i did. I did the whole application and the promotion had changed to {$150.00} i called on that day but lending was closed, so i called back XXXX XXXX @ XXXX and spoke a lady that told me it was my error that i had to reapply even though it was the same credit card. This would have been a new inquiry on my fico. I asked her why it was misleading and she said that she would transfer me but there was nothing they could do. When she transfered me i was hung up on. I called back spoke with someone becaus eof the unfair deceptive act or practice and filed a complaint on being hung up on. they said that a account manager would call me bck and hopefully get this resolved. A guy XXXX called me on XX/XX/XXXX left a messgae that i could apply again but they would not honur there own promotion, when reading disclosure if i apply for the same card they would not honor the second promotion. So im being asked to apply again even though if approved i would not be able to receive the promotion. Im not going to pull credit again to lower my score. their system did the ol switch and bait. I called and spoke with a XXXX on XX/XX/XXXX she would only take the complaint i presented. She said there would be no follow up no referance number i really dont believe they took my claim serious. 
I happen to take screen shot from the date in question and they are changimg promotions minute to minute and in my case i click on one offer and was given another I was approved by the way and now they wont take responsibility for the misleading promotions they offer or even right the wrong this is a financial impact to me since for the same purchase i cant receive the bonus originally offered. 

I dont even have the card in possession yet and already all these problems

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX  & XXXX  showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2018-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have paid my auto insurance for nine months on time, never a late payment. I have gone from $ XXXX to $ XXXX. On XX/XX/2018, I got into a minor accident because I was told to reverse on a one way road by a XXXX airport employee refused to pop the gate. Anyway, my driver sideview mirror was damaged. I filed a claim through USAA auto insurance since i have my automobile policy through them. They told me to get an estimate from XXXX XXXX and then submit it online and via email. They said i would be issued an electronic payment minus my {$500.00} deductible. 

On XX/XX/2018, at XXXX XXXX, I emailed a copy of the estimate for {$970.00} to XXXX and to XXXX. I also took a picture and uploaded the estimate to the USAA Claims Center portal. I never heard anything back about the status for a couple days. So, on XX/XX/2018, i sent a message via the USAA Claims portal about the status. I was told by XXXX XXXX that on XX/XX/2018 at XXXX CST that my estimate was received and was sent for review. No messages or phone calls or emails after that. On XX/XX/2018, at XXXX CST, I received a portal message stating that a payment of {$390.00} was issued. After doing the math, I noticed there was an {$80.00} decrease in their payment to me, which would result in me not paying {$500.00} for my deductible but {$570.00}. 

I contacted USAA and the first rep, XXXX, was very unaware and didnt have the proper knowledge to assist. I demanded a supervisor. After being on hold for a few minutes XXXX, the Claims supervisor, takes the call. XXXX tells me that XXXX XXXX contacted the dealership on their behalf WITHOUT contacting me first to negotiate a deal on parts and labor. XXXX XXXX DOES NOT negotiate on parts and labor. So, the service tech who was responsible for my estimate, XXXX XXXX, said that the claims rep contacted her and pretty much made her order used parts instead of a new part. The estimate is for a new part, not used. XXXX stated the price of the estimate did not change because USAA prefers a used part. The costs remain the same throughout, which means I have been cheated by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
All this happened today XX/XX/2018 : I replied to a XXXX  post to buy 2 tickets for this Sunday ( XX/XX/18 ) XXXX XXXX football game. 
I texted the phone number on the XXXX post ( XXXX ) and somebody " named '' XXXX XXXX agreed to received from me {$250.00} for 2 tickets. 

He provided me his name and email ( XXXX ) and using the app XXXX through my XXXX  XXXX XXXX account I transferred him the money to his account in XXXX XXXX. 

After I sent the money, the person never transferred me the tickets. Also he blocked my cell number since I tried to called him and text several times, without success. 
My wife using her cell phone, contacted the person ( XXXX ) randomly expressing her interest to buy some tickets. He intermediately replied trying to sell her also the tickets. He started asking for the money using the XXXX app ( same procedure he used with me ). 

I called my XXXX  XXXX and they told me that they can not cancel the transaction because was done using XXXX, but that they will open an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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.
State: WA

Complaint narrative:
I applied for an income based repayment plan. I received an email which i have attached stating that my new payment is XXXX. However they keep showing payment due of XXXX. I have attempted on the phone and email to explain this but i either get transferred from department to department where i was disconnected 4 times or i get no response to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Our property in the United States Virgin Islands was damaged in Hurricanes Irma and Maria in XX/XX/XXXX. We were allowed a forbearance in order to deal with the aftermath of the storms. We are now consistently making agreed upon lower than usual payments while we go back and forth between the continental United States and XXXX XXXX, United States Virgin Islands in order to make repairs that will make the property habitable. Our most recent several day repair visit ended XX/XX/XXXX. On XX/XX/XXXX, a third party service, XXXX XXXX, attempted to change the locks on our property. My neighbor saw the person, believed it was a break-in attempt, and confronted them. This person told my neighbor that the property was " in foreclosure ''. My neighbor, knowing that we regularly make payments, and that we are in the process of making thousands of dollars in repairs, believed the lock changer was a scam artist and sent the person away. When we called our mortgage company for an explanation they acknowledged regularly receiving the agreed upon amounts from us, confirmed that we are not in foreclosure, but claimed that they were attempting to lock us out because the property is abandoned. This property shows no sign whatsoever of being abandoned. While it requires repairs in order to be fully livable, it is neat, clean, furnished ( this can be seen via windows ) electricity and water work at the property, and all doors are locked. No reasonable person who actually visited and looked at the property could conclude that the property is abandoned. The Flagstar employee person we spoke with, XXXX, employee # XXXX, then indicted that we were not entitled to any contact or explanation before being locked out. We are deeply distressed to the point of illness that Flagstar made no attempt to contact us before sending someone to lock us out, and further, that they offer no guarantee that this will not occur again. This has been a very stressful post Hurricane period made worse by the behavior of Flagstar. Flagstar indicated during the call that they would note on our record that the property is not abandoned, and that we travel back and forth to make repairs, but they refused to provide any written follow-up that we telephoned, or any indication that our record has been noted. We feel entirely at their mercy, even as we spend our hard earned money to complete repairs. We have dealt in a good faith manner with Flagstar and they in turn are treating us very badly.

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 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened an account with XXXX  which today I found out is a PayPal company but I opened the account to send money internationally to buy used computer parts for my son who's a gamer whatever there called nothing illegal was done at all so I sent some parts back and received my money for the returns on my new XXXX account well I get an email stating my account its frozen for suspicious activity I gave them all information they asked for and now they say my account is terminated and funds XXXX will be held for 180 days while they investigate thats when I got upset they asked me for information I gave them everything they asked for them they say there holding my fund for 180 days I dont know where else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
I have consistently called Citizens One to find out when my next monthly payment is due ( I have paid a number of payments ahead of schedule ) to sequence when I want to pay off my car loan. 

Wait times are over one hour on the call, when I do have somebody to talk to twice I have been disconnected. It seems like they have put no resources into servicing loans, and it is frustrating. It should not be this hard to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax  several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax   keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX  and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address.

Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.

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 2018-12-19 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 paid off XXXX XXXX XXXX bal XXXX on XXXX XXXX and disputed on XXXX XXXX this account was deleted and updated on XX/XX/XXXX per XXXX XXXX request. On XXXX XXXX this account reappeared on my credit as not paid and owing a balance of XXXX which is false information, I tried to dispute information again but was not successful due to equifax dispute system being down online I called on XX/XX/XXXX and was told to call XXXX XXXX which already verified that account was deleted on XX/XX/XXXX, I have proof that account was indeed deleted on XX/XX/XXXX but reappeared on XX/XX/XXXX. Dispute resolution was suppose to be complete for XXXX XXXX XXXX XXXX, and also for XXXX XXXX # XXXX bal XXXX and acc # XXXX bal XXXX dispute confirmation # XXXX on XXXX XXXX. I plead and asked for Equifax representative to email me my results for XX/XX/XXXX and so call supervisor never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to dispute the following inquiries with Experian. These are non authorized inquiries. They wont let me dispute these inquiries online or over the phone. I want Experian to conduct a full investigation on these non authorized inquiries. I would also ask for Experian to delete these inquiries if they cant be verified in the 30days allowed by law. Per FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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 2018-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
showing past due 90 days And I do not Have the vehicle in question

Company response to consumer: Closed with explanation