vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I deposited a check into my Debit ( Checking ) account. I have proof of deposit. On XX/XX/2019 my bank took that same amount of money out of my Checking account ( On the statement it reads : Debit Adjustment Duplicate Item reversing deposit made on XX/XX/19 as duplicate it em. followed by a reference number and ISN number. ). It shows a minus sign ( signifying withdrawal ) followed by the amount listed. The issue is simply that the amount was not a duplicate deposit. It was deposited only once. I have proof in both documentation form ; via receipts, my bank statement and photographs of balance changes, as well as proof from witnesses at the bank branch itself who saw all of this information, found it confusing, contacted customer service over the phone and still werent able to get it solved. I also contacted, upon one of the employees recommendations, the customer service specialist number provided in my mobile banking app ( unfortunately, they also werent able to understand or solve this issue ). So, I have an already withdrawn amount to my bank for absolutely no verifiable reason.

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 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a mortgage loan with JP Morgan Chase since I first purchased my condominium in XX/XX/XXXX, I had applied and refinanced the original loan in XXXX ; and ended up with a reduced interest rate of 4.5 % on my mortgage loan and 8.2 % on my home equity loan. My neighbors, who are are predominantly XXXX, enjoy much lower interest rates on similar condominium units. I applied to refinance again with Chase in XX/XX/XXXX, and my Mortgage advisor had offered an interest rate of 3.75 %. ( combining both my mortgage loan and home-equity ). In XXXX, i received a denial of my loan application, with the reason given as Excessive obligations in relation to eligible income. This came as a shock as my loan advisor at Chase had informed me I was an excellent candidate. My credit score XXXX at the time, now XXXX ; and I have about {$500000.00} equity on the property! I believe that denying me the loan is either a terrible mistake, or that I have been discriminated against because I am XXXX, and/or because I refused to move my XXXX investments to be managed by Chase. I do not agree with the decision made by Chase and feel I have been treated unfairly! It appears that Chase wants me to continue paying high interest rates on my mortgage. I pay via electronic withdrawal without fail every month, but why can't I get a better deal as a valued and loyal customer?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.

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 2019-11-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.

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 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
On XX/XX/19, Credit Management has responded VERY unprofessionally to my dispute from XX/XX/19. After asking for proof that i owe them or ANY signed agreements that i ever contacted them for a service and agreed to pay them, I received a response that they failed to investigate. Never have i seen a agency respond in a day after being requested to validate the debt they claim i owe them. 
In their response, they ADMITTED to trying to find a signed contract or any form of agreement from me, but COULD NOT! All they supplied are bills they made with my name on it and an address that is not mine! 

I will not stop until this illegal, unverified account is REMOVED from my credit reports. Their horribly unverified little account does not hurt my well established credit report, as I wouldn't have known they were reporting to the bureau 's until i signed up for a credit monitoring service. 

Credit Monitoring : 1. Show me proof that you are licensed to collect a debt in the state of Louisiana. 

2. Show me PROOF that I XXXX XXXX of XXXX, LA. XXXX, ever signed any agreements with Credit Management. ( NOT A BILL THAT ANYONE CAN TYPE UP WITH MY NAME AND AN ADDRESS ) I can type up a bill with their name and address on it and claim that " they owe me ''. Verification of spelling my name correct or any incorrect information they have on file for me is NOT what we're asking for. 

My lawyer and i will be using legal actions to sue if this unverified item is not removed from my credit report. I'd highly advise they do not write such a horrible response again and actually provide real agreements and not a bill with my name on it, above a residence i do not live at.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
On XX/XX/2019 XXXX deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my XXXX Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. XXXX and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.

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 2019-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Georgia Student Finance did not do what they said they would do. Representatives stated to me, that due to my medical illness. I qualified for a Medical Hardship, or Financial Hardship program. I was told that they would mail me a form to fill out, but I never received it. However, they are continuing to report late, and non payments to my Credit Report that has caused tremendous damage to my reports. Georgia Student Finance did not keep their word, and never reached back out to me to see if, or why I didnt receive the form. It seems they dont care, about my Medical illnesses and want to continue to ruin my Credit month, after month.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for and obtained a credit card for XXXX XXXX through Comenity Bank with an initial credit line of {$4000.00} bearing a regular purchase interest rate of 24.99 % and promotional purchase rates from 0.00 % - 2.99 % dependent upon the repayment period, from 12 months - 36 months. The account was maintained in good standing and paid according to terms and as a result in XX/XX/XXXX the account 's credit line/limit was increased to {$5200.00}. Further, the account was maintained in good standing through XX/XX/XXXX. In XX/XX/XXXX, I inadvertently missed a payment on the account and was immediately subjected to credit review and a reduced credit line at {$4600.00} imposed. Thereafter, although the account was brought current by XX/XX/XXXX ; Comenity Bank engaged in balance chasing and systematically lowered the account 's credit limit as follows : XX/XX/XXXX - {$3800.00} ; XX/XX/XXXX - {$3600.00} ; XX/XX/XXXX - {$3400.00} ; XX/XX/XXXX - {$3200.00} ; XX/XX/XXXX - {$3100.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; and XX/XX/XXXX - {$2700.00}. But, on or about XX/XX/XXXX, I telephoned the ComenityXXXX XXXX representatives, expressed my objections to the practice of balance chasing and requested my account be closed. Notwithstanding, although the account was closed, bank management or its approved systematic programs reopened the account to lower the credit line from the XX/XX/XXXX credit line of {$2900.00} to the XX/XX/XXXX of {$2700.00}. I recently telephoned the Comenity-XXXX XXXX representatives and inquired upon whose authority did the last change of the credit line/limit of the account closed XX/XX/XXXX occur? The supervisory response was because the account experienced a returned item it was allowable or warranted. The account as of this writing is current with a balance of {$2300.00} comprised of promotional purchases with interest rates of 0.00 % - 2.99 % with extended payment terms. I do not believe management 's most recent action of lowering the credit line after the account closure is warranted nor allowable within current consumer credit rules, regulations or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
I went to XXXX XXXX to purchase a XXXX XXXX on XX/XX/XXXX..I was placed in a XXXX XXXX XXXX with a XXXX deposit after the downpayment price on the window stated way less..after that I was told they could not finance me and had sold the vehicle to a carlot in XXXX named XXXX XXXX that would be able to finance me ..during the ride to XXXX I noticed several things wrong with the XXXX..when I brought it to the attention of XXXX the salesman at XXXX he directed me to a XXXX XXXX on his lot with no price or buyers guide on the window..stated he could possible get me financed..asked me for another {$XXXX} and if I could bring in another {$XXXX} the following Friday if he could get me financed and we agreed..it was getting late so XXXX advised me to take the vehicle home and he would notify me once he had an approval..the same day I called and next day I brought the vehicle back to notify XXXX the check engine light was on..the salesman XXXX put the XXXX on a diagnostic machine and told me it was the gas cap..at that point I went to XXXX to get a second opinion and was told a component it the transmission was bad and the heater cord was out..when I went back to notify the dealer I was told my loan had gone through and I had signed everything to purchase the vehicle as is..but they also agreed to fix these issues..when the bank called to verify the loan I also notified them of these issues and that the dealer agreed to fix them..I was told to take it to a shop the dealer used..stalled until the lender paid out the loan to the dealer and then was told that the dealer would only pay for half of the repairs on the transmission and nothing in regards to the heat .At no time did I recieve an actual buyers guide..only a copied front page to sign..not did anyone..the dealer no the lender discuss the terms of my loan with me..the only thing the dealer told me was my payment was {$XXXX} a month .The dealer also took out a loan with another company to pay my taxes and fees on the vehicle and did not notify the lender of this.this dealer misrepresented the condition of the vehicle ..misrepresented the loan process..and is stead fast on saying I purchased the vehicle as is even though those papers where signed based on the dealers intentional deceit. I had a total diagnostic done which states {$4000.00} worth of work..and I stuck in a XXXX loan put down a large down payment and traded a perfectly running vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called American Express on XX/XX/XXXX to tell them that I had just lost my job and will not be able to pay them the amount I am being billed. I have been a customer of theirs since XXXX and have always paid my bills on time. In the past when I had financial issues such as being laid off from a job, they let me get on a payment plan or hardship plan until I found another job. This time when I asked for a hardship plan or payment plan, they refused and said I am not eligible for any such plan. I reiterated that I DO NOT HAVE the money to pay them. They said, " well, then your account will be past due. '' This is unacceptable. I am trying to work with them, but they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: NV

Complaint narrative:
I am 100 % XXXX veteran and my loan interest has not changed since before I joined the military. I am curious why Im paying loan debt still, President Trump passed a bill for XXXX veterans to get their student loan debts waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: FL

Complaint narrative:
I was charged a {$45.00} fee on Money Market Account with Synovus Bank for over the limit internal transfers to my Synovus Checking Account. The Money Market Account was originally a Savings Account that was switched to a Money Market Account because I was told I had an unlimited number of internal transfers I could do on the account. I was mislead with the information that was given to me. This is the first time I have ever incurred a fee on this account. I contact the Synovus Office in XXXX XXXX, FL office and explained to them that I was given misleading information and they would not refund the {$45.00} fee that I incurred. If I had known of the internal transaction limit I would have not exceeded it. I knew there was a check limit, which I have NO checks on this account but was told I had no limits on internal transfers to my Synovus Checking Account. This is deceptive and misleading to customers of Synovus Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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:
I am a victim on Equifaxs Data Breach and have put a fraud alert on my credit report after finding over 200 unauthorized /fraudulent on my credit. My credit score has dropped from a XXXX to in the low 400s. On several occasions I have called equifax and filed disputes online to have these inquiries removed. There was also some incorrect information on my report including the wrong name and birthdate but they were removed. I have attached a copy of my latest dispute results below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC.
State: IL

Complaint narrative:
Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I enrolled in the use of credit karma, approximately on or about XX/XX/19. I was sent an alert that my account was accessed from another device. Not mone not me at XXXX XXXX. I reached out to there so called customer service department who stated they would get back to me with in 48 hrs. Well now it's over 100 hrs and no one has returned my email. If i am a victim of Identity theft I want to get ahead of this ASAP. It seems like they have been hacked and are afraid to publicly announce it. I hope you can bring this to light as you did with XXXX. 
Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation