vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: HI

Complaint narrative:
I had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as 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 2019-07-19 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: HI

Complaint narrative:
I had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TX

Complaint narrative:
Experian has been double charging both my mothers account and mine on my XXXX  XXXX for a membership. I didnt authorize this and want all previous charges refunded back on 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 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Spoke with creditor and due date was changed to XXXX of each month.. I have maintained automatic withdrawal but they are reporting me late with the same due date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: HI

Complaint narrative:
Loan was for 72 months they are still saying I owe over a year of payments I have been paying consistently and I believe they are over charging my account for more than what was agreed. Loan taken in XX/XX/XXXX and my last payment should be XX/XX/XXXX but payment is showing it will not close until XX/XX/XXXX I want them to please look over payments and close my account XX/XX/XXXX that is the date of last payment due! They need to re-evaluate my payments made and look at whats been collected

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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
XXXX Bill. This bill was not opened by me an ex opened this account I learned with my information. He is decease and this is affecting my credit report for something i am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase continues to give untruthful information regarding their closing of my account and continued contyact with me. After chase closed my acct for me being XXXX they continued to remind me of the discrimination by sending me unwanted emails that I can not unsubscribe to. Chase refuses to unsubscribe me and refuses to allow me to unsubsribe from their unwanted emails that again remind me of their discrimination. Chase lied in my last complaint saying ; " We previously responded to your concerns about the closure of your account in the enclosed letter dated XX/XX/2018. When your checking account was closed, your online profile remained active, which allowed for emails to be sent. Were sorry for any inconvenience this has caused. We have closed and deleted your online profile which will prevent emails to be sent out in the future. We have also taken steps to stop any marketing offers, including Our Neighbor marketing materials, to be sent to you. Please allow 90 days for mail, 30 days for phone, and 10 days for email marketing to cease due to campaigns already in progress. '' Now over 2 months later they continue to harass me with these emails. Today Chase sent yet another email and continues to deny me an accommodation under the XXXX. 
Chase refuses to delete my account info and continues to maintain it in their system causing these abusive emails and putting my personal info at risk. Since Chase can not control the emails how can they control unauthorized access to my personal info. 
I spoke with XXXX at Chase today who indicated Chase would keep my info. XXXX also said Chase did not do anything to stop the emails nor will they do anything to stop the emails. I was also told that Chase was now saving a voice file of my voice to help identify me. XXXX then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
An offer was mailed to me for {$300.00} to open a new checking account at Bank of America. The letter had someone else 's name on it but I thought it would still work for me since it was mailed to my address. The branch manager XXXX XXXX opened the account for me on Monday, XX/XX/XXXX. She explained when I would get the money and led me to believe that this offer is valid for me. I left the branch after she did everything to open my account, including ordering me a debit card. About a half hour later, after the branch had closed, she left me a voicemail to call her. I called her back and she was quite rude and discourteous to me. She said that I read the letter wrong and that she didn't mislead me. The letter says " XXXX XXXX XXXX, this offer is only for you! '' but the text is not enlarged or conspicuous enough to make me think that this is an exclusive offer for XXXX. It seems like some junk mail that could apply to anyone. I wish that XXXX had caught this error and stopped the account from being opened. 

I called customer support that day and filed my first complaint. The representative said that Bank of America might be able to offer me something similar but it might not be {$300.00}. I didn't get a call back within 24-48 hours like I was told on Monday, so I called the company on Wednesday and was on the phone with someone for an hour. He filed another complaint for me because the first complaint I filed didn't include that XXXX made a mistake, which I had clearly described on Monday. The representative gave me XXXX XXXX manager 's phone number. Her manager XXXX said this offer doesn't apply to me and wouldn't give me a different offer. I closed my account that day on Wednesday, 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 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX  on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. 
I am appealing to your office to investigate this matter as it does not show signs of being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. I have a Neiman Marcus Store Credit Card. On XX/XX/XXXX I tried to make a online purchase and the purchase was declined, I knew that I had money available on this card. I called customer care and was told that there was a block on the card from XX/XX/XXXX because of fraudulent activity on the card. I knew this was not true because used the cared in XX/XX/XXXX to make a purchase at the Neiman Marcus store in Washington DC. This is the second time this has happened to me, the bill has been payed on time every month never been late ever since the card account was opened. Back in XX/XX/XXXX they sent me a gift card for {$50.00} for opening the account. I used the gift card and then charged my Neiman Marcus Card. I called the customer service number on the back of the card and the agent was very nasty and placed a fraudulent activity of my credit card, and this keep reoccurring. For Nieman Marcus to be a High End store there customer service is horrible, and this account doesn't fit the criteria for fraudulent because nothing fraudulent has ever occurred on this account. I am XXXX years old and this has been my worst credit card experience. Khols treats there customers better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I started to use coinbase, made 2 transactions and possible a third, I made a request to double check to see whether I was charged in error and if my funds are there. They locked my account pending investigation. Now close to 2 months I call and they send me to use the email. I sent email they say my case is in work. No human contact what so ever. This is above and beyond. I sent numerous email and they all say the same thing. 
I want my account unlocked or return my {$88.00} dollares. This is way to long. 

Here is what they always say, and I can not reach anyone. WORST COMPANY EVER! 
Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

If you are waiting on a response from the account specialist, please reply to the case number mentioned above in writing. This is to ensure the account specialist working your case is notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX - Original Date XX/XX/2014. XXXX XXXX started billing me for a " box '' that was included in my HOA fees back in 2014 for " On Demand '' services that I never ordered. I advised them on XX/XX/2014 that I never ordered this service as the " box '' was located in my guest room which was never used. I was verified by a XXXX Employee that this service was never used and asked that I return that box and they would reissue me a different box that did not have this service. I have the receipt when the box was returned and reissued me a different box that did not have this service. I have copies of bills from XXXX from XXXX, 2014 showing XXXX   due because it took me 6 months to get this resolved with XXXX. 

Now I have a collections on my credit report as of today with a balance of {$57.00}. 

This is totally incorrect and the Open Date showing on my credit report shows Invalid Date. 

This is totally bogus and has caused a great deal of effort to eliminate and yet it comes up again. 

Can someone please try to correct this? 


I tried to call Credit Management LP to rectify this but they wanted too much of my personal information and I have already suffered from Identity Theft in the past and refused to give them the information they were requesting ( i.e. SSN, etc. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: DriveTime
State: GA

Complaint narrative:
section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of

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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
This company places this account in collections that is being disputed because the insurance company paid my account. They currently reported this debt without contacting me or sending me notification as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is not valid and has been sold to a 3rd party after attempts to resolve this issue with no resolve.

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 2019-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I haven received calls at XXXX every morning for this week from this company ( Navient ). I explained to 3 different reps that I was homeless last month and am currently no longer living at the zip code associated with my loans and they argued with me there is nothing we can do we go by the zip code and the area code off your phone number and when I explained that I havent changed my phone number but I now live in XXXX and not XXXX therefore a different time zone they still argued with me and gave me a hostile attitude. I have only missed 2 payments and they are harassing me calling me every single day and even leaving me voicemail messages when my voicemail explicitly says not to. The harassment has to stop I can not make a payment at this time I am unemployed and I just moved into a home as I was HOMELESS and literally found out I am pregnant the day I got to AZ, and have been so sick I am unable to look for a job as the XXXX is causing me to be severely ill and dropping weight rapidly. I have XXXX other children to take care of and the fact that Navient calls me at XXXX every morning forces my daily XXXX  to begin early, therefor making me sicker for longer portions of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of

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 2019-07-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I had to call there number, which takes me XXXX XXXX ( which is not disclosed ) and give them my personal information including social security number. So now my personal information is in the XXXX, XXXX? 

Then they say they cant verify me, in writing? All I wanted was to have an account listed as opened by XXXX, but even their notes say its been closed since XXXX- 14 years ago! 

Now my personal information is probably being sold to XXXX. 

What a business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was contacted by a collection agency stating that I had an account with XXXX XXXX. This is not my account. When they attempted to verify my social security number they realized that my social security number was NOT on this account. I have contacted them about this and have not received any assistance. I never opened this account. The account balance is {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: IL

Complaint narrative:
This account is not valid and has been sold to a 3rd party, after attempts to resolve this for the amount of {$1300.00} this account still exists after numerous try 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: PNC Bank N.A.
State: GA

Complaint narrative:
ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Thisaccountisnotvalidandhasbeensoldtoa3rdpartyafternumerousattemptstoresolvethismatterfortheamountof{$1300.00}fromXXXXXXXX.

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 2019-07-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Reference continuance from Complaint # XXXX.Chase still has not issued a provisional credit and over 14 days have passed since notifying Chase. Chase went a step further and attempted to force me to fill out a paper form. Per Reg Z, if a Issuer accepts billing errors to be filed via phone, then they can not require another method of filing as well. Chase took no action on my account until they received the above referenced CFPB complaint on XX/XX/XXXX. At that time, they simply tagged the transactions and took no further action nor started an investigation. In addition to this, the card issued is a Visa Card, and therefore requires provisional credit to be issued within 10 days. As of today Chase has not taken any action to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Having been dealing Mariner Finance for the last 5 months. I was told back in XX/XX/XXXX if I made my payments on time and stayed current they would dismiss the judgment against me. Well now I got paperwork stating the judgement was finalized on the XX/XX/XXXX. I still have the letter from the Vice President of the company stating such. I want the judgement removed and the account status to reflect that in my credit report and my sons!

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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN FAILED TO CEASE AND DESIST COLLECTIONS ON SAID DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation