vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/19 ... I went online to balance credit. Com. After receiving 2 mail offers of pre approval letters of a install loan up to 1400.00 On XX/XX/19 I went online, completed the application and was advised I was approved for a amount of XXXX dollars. I called the csr li n.v e and they told me I would receive the funds in my account the next day on XXXX.. well later on in the day I log back on to check the first pay date and seen my app was now closed I called and the top told me I was denied with no explanation. I asked how could I be approved one min and denied the next even after giving my full bank information. Now no o w can tell me why it denied but they have ran my credit and has all my bank info. I'm filing a complaint for false advertising and fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We responded to an offer by Chase bank to open a checking account and receive a {$300.00} bonus if we did a direct deposit over {$500.00} per month.While we were at their office they accepted my application and forwarded a request to the Treasury to switch my monthly SSA check of {$1500.00} to Chase.One week later we received a letter from Chase that they are closing the account. No reason was offered.We have tried to find out why they did this but Chase insists that they do not have to tell us why. We are very upset and puzzled since we have excellent credit and financial assets.We would like to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. 

We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. 

I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. 

Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. 


Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: OH

Complaint narrative:
I have contacted Experian on several occasions to have unverified accounts removed from my credit report. The accounts were blocked in the past then later added back to my report. I have written letters to Experian asking them to verify the accounts according to the FCRA 609 ( a ). So far the accounts have not been removed from my report or verified. FCRA 609 ( a ) says you are required by federal law to verify through the physical verification of the original signed consumer contract. This has not been done.

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 2019-10-16 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:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

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 2019-10-16 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: CA

Complaint narrative:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
hi I am a customer of Western Union and I am writing to file an official complaint with Western Union regarding theirmoney transfer issues. I have been sending money with Western Union since XX/XX/XXXX. Recently in XX/XX/XXXX, the company has adopted unfair trade practices in its money transfer transactions including offering different exchange rates when initiating a transaction via its mobile app as opposed to the in-store kiosks. 

Issues at hand : 1- within a periodof 6 months, Western union has hiked its online transfer fees from {$4.00} to {$5.00} and now to {$7.00} per transaction ( the latter is conditioned on a lower currency exchange fee _ XXXX ) 2- twice this week I initiated money transfer online but before I completed the transaction, the currency exchange rate dropped from UGX XXXX to UGX XXXX per US XXXX  dollar. Obviously I cancelled the transactions and did the transfers using the in store kiosks which gave me the higher currency exchange rates of ugx XXXX shillings XXXX per US dollar BUT with an even higher transfer fee of {$8.00} now. This is a ripoff and illegal to charge different charges for the same transaction to the same location for the same amount. 
Please help Very upset customer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
i was XXXX in XX/XX/XXXX in XXXX XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During that incarceration I was taken from the XXXX to XXXX XXXX XXXX approximately 4 times under my duress. I was transported from the XXXX in restraints under the supervision of armed guards. I tried to refuse but was threatened with punitive action including being forcefully restrained and carried by officers and solitary confinement. I did not choose to go to this hospital for treatment, I was forced. Records will indicate that I was a " client '' in XXXX XXXX XXXX XXXX during this time frame. As such, I was a XXXX of the State and these expenses fall within the responsibility of XXXX XXXX XXXX. These reports were lodged against my credit report without me having ever received any communication from any agency. When I learned of the reports I contacted XXXX XXXX, they informed me that they had contacted XXXX XXXX XXXX and XXXX had denied I was a client during that time frame. I contacted my Parole Officer Mr. XXXX, he contacted XXXX XXXX and informed them that I was in XXXX XXXX under a Blue Warrant he issued and sent them documents confirming it. XXXX claims that XXXX has recanted and now admit that I was a client during that frame and accepted responsibility. XXXX XXXX records now reflect that my ballance is {$0.00}. However, the reports were never removed from my credit. I disputed claims through XXXX with no relief. I contacted United Revenue Corp. who is the company listed as the reporting agency, and explained the situation to them. I gave them all the pertinent information. United Revenue contacted me back after their investigation and informed me that they finally got XXXX to admit that they were responsible for the financial obligation, however due to the time lapsed between the initial billing date and the time United Revenue contacted XXXX, XXXX would probably not pay the bill. I was further informed that if XXXX did not pay the bill United Revenue would hold me responsible and maintain action in not removing the report from my credit report. 

I am not responsible for these financial obligations, XXXX XXXX XXXX is, United Revenue should not be able to hold me accountable and issue punitive sanctions through inflating my credit report, especially after XXXX accepted responsibility to them.

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 2019-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
We used XXXX XXXX to manage a seller-financing trust indenture in Montana. Unbeknownst to us, the note was sold to Loancare. Since that event, Loancare has been horrible to work with with little to no to really delayed response to inquiries. The buyer was able to get a loan through his local bank and it took the bank several weeks to get the pay-off amount from Loancare. 

The loan finally closed 8 days ago. The bank issued a check that same day to the title company. The title company opted, with out anyone asking us, to mail the check to Loancare. That took 2 days. I called Loancare on day 3 to find out where my funds were to be told that they were going to hold the check, from a title company, for 10 days. I called the title company and they were able to convince Loancare the check was good and it was cashed on day 3, but no payment back to us, the seller was made. 

I called in frustration and stated the money needed to be transferred to my bank account on file immediately. I was told they were after the cut-off time ( presumably for the wire ) but it would go out on Tuesday ( Monday as a holiday ). So, I expect to see the funds in my bank account on Tuesday. Not there. Today, Wednesday, after three phone calls, I learn that they cut a check for the $ XXXX and put in the regular first class mail on Tuesday and now it will take several more days. So, of course, I ask why it wasn't wired. " We had no instructions. '' Did they ask for instructions? No, of course not. Did I say I wanted it directly deposited the same way all the buyer payments were direct deposited- yes, most definitely. 

Okay, fine, the " check is in the mail '', so please give me the tracking number. No, we have no tracking number. We just sent it regular mail. WHAT? A check for $ XXXX and you didn't opt to track it. How convenient that you will be earning a few hundred dollars in interest off of funds received on Day 3 since my bank won't be receiving and then depositing the check until maybe Day 10 if I'm lucky or day 13 if it hits the weekend, if the untrackable check even arrives, at which point, I have to call back again and even more time is lost. 

Overall, awful experience with Loancare and its not even over yet.

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 2019-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
In 2018, Collecto, Inc. d/b/a EOS CCA attempted to collect debt on on debt that is unenforceable, especially one that was originally at the about of about {$1500.00}. They were notified that XXXX XXXX Bank did not tell them the truth and they were told that I am contesting the the amounts. I am also contesting the fact that I am a XXXX veteran and they tried to transfer my debt to a third party, which I commanded not to communicate with me, which was after I commanded Collecto, Inc. to not communicate with me in any form, which they illegally disobeyed me. They dared to do this to a US Veteran suffering from XXXX, acquired in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Dear XXXX, I am writing in regard to a Home Equity Line of Credit with US Bank that was given to me, but I never had the need to use. Just to give some background. 
- I had first mortgage with US Bank. {$200000.00} ( A/C # XXXX ) - A Home Equity Line of Credit ( HELOC ) with US Bank as well. {$48000.00} ( A/C # XXXX ) I did have the HELOC ( which I am seeing was taken to be a second mortgage ), but never used the amount for any purpose whatsoever. At the house closing, I was charged a pre-payment penalty for both the first mortgage which was pre-paid before the 5 years was up - I can understand that since the XXXX amount was active and used and was cleared before the five-years since we sold our home and the loan cleared. 

However, what I dont understand was the pre-payment penalty for the HELOC that wasnt used for anything. In trying to sort things out with US Bank I was told that the fees would be waived, if I did take another loan with the Bank. I did speak with the branch manager (  XXXX XXXX ) at the XXXX XXXX XXXX. XXXX XXXX at the XXXX XXXX was the Banker who helped open the loan. 

I am hoping your office can help to sort the HELOC pre-payment penalty out for me. I honestly feel that I should not be charged a pre-payment for a loan that wasnt used. Any help will be appreciated- thank you! 

Sincerely, XXXX 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 2019-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
I have called at least 3 different time over this matter. XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX, in regards of a land of amendment to take off flood insurance on my property. They kept telling me that they would get back to me with a response within 24-48 hrs each time I called and failed to do so, I continued to call and today they had said the reason why they would not be able to approve and pass the land of amendment that shows I'm not required to carry flood insurance was because my property is still showing in map zone with FEMA and that I would need to contact them with the matter so that it does not show on the map although they have the documentation needed stating it was not required and they were done helping me. I got ahold of FEMA and they said that it does not matter what the map shows. What " trumps '' that was the map of ammendment, that is the deciding factor of all. Once you have that, there should be no reason they will not take the flood insurance off. I'm using all my resources and trying to get this resolved the best of my ability and I'm currently stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed dispute after dispute after dispute with Equifax about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX -XXXX  XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  The following does not belong to me : XXXX  XXXX Account Info Reported on XX/XX/XXXX Equifax retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, Childrens Place, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ XXXX XXXX XXXX of XXXX Georgia, and Comenity Bank of XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week Comenity began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
The collection company called Progressive Management Systems reported to the bureaus a debt under my name. The collection was reported back in XX/XX/XXXX and it was for a balance of {$1300.00}, showing the original creditor as the XXXX XXXX XXXX XXXX and the account type as " collection '' and " joint ''. This account was disputed with XXXX and I am unsure of what information the collection agency provided to the Bureau showing that the account was mine and " joint '' as the Bureau informed me. I am still disputing this account, it is not mine and I would like the company to provide documentation.

I haven't had any contact with this company over the phone or in any way and never had the opportunity to dispute it with them directly, never get into any payment plan or any agreement to pay.

! 8 days ago the same collection company, Progressive Management Systems reported the same account as a 60 late payment for the same amount hitting me twice for the same debt which shows the account as a collection in XX/XX/XXXX and an account in 60 days late payment status XX/XX/XXXX. 
First of all the debt is not mine but also I understand once a creditor selles a debt to a collection agency, this one can only report the debt as a collection not as a collection and account in late 3 years later without communication or any payment plan set up.I think this is an unfair tactic from the collection agency to collect the money duplicating the information and reporting false information and twice to the Bureaus. This practice goes against the Fair Debt Collection ACT

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 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Visa Gift card issued from XXXX XXXX, I didn't pay attention to the fine print, it turned out that if the card is not used within 12 months, it starts to lose {$2.00} per months. 
I called the # provided on the back of the card, 12 months of charges were re-loaded but I was told they can't go beyond 12 months. I say this is a rip off and no one should use there types of gift cards because people tend to forget what they have and most don't check the fine print.

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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2019 I hired a guy ( XXXX XXXX ) who pretended to be a local contractor to install laminate in my house. He asked me {$500.00} upfront to cover some expenses which I transferred him the same day via XXXX network available on my online profile at Chase bank. The day he supposed to start his work he texted me that his car got broken and he needs more money, I transferred him {$500.00} on XX/XX/2019 via XXXX. Since that time he disappeared, not picking up his phone ( XXXX ) not answering messages on XXXX XXXX. As I result I was defrauded on {$1000.00}. 

I contacted Chase and asked them to trace him down and to return my money since the money was transferred via Chase to another account in XXXX XXXX. Chase representative told me that they unable to help me at all. 

I contacted XXXX customer support only to learn that I need to contact my bank if I need any help with this transaction.

Company response to consumer: Closed with explanation