vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My tuition payment for XXXX euros to XXXX XXXX XXXX in XXXX, XXXX was due at the beginning of XXXX. However, because of an internal auditing issue, the university asked me to send my tuition to their subsidiary bank, XXXX, in XXXX. XXXX XXXX and I complied by converting the amount to XXXX pesos and then sending the payment to the IBAN and SWIFT codes provided by the university. It has been a month and XXXX still claims they have not received the payment. XXXX XXXX placed a trace but the result was apparently inconclusive ; XXXX was not very transparent with their end of the trace. XXXX XXXX has since placed a recall of funds but we have not heard back in 2 weeks. At the same time, the university is threatening me for having an outstanding balance on my tuition. Who is liable for what? What can I do to fulfill my legal obligations?

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 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I had three debits from my account with XXXX that were fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Chase Fraud Department and they reversed all of them, On XX/XX/XXXX they reverted back the XXXX saying that a chip and pin number were used. I called them many times and they said that I need to call my attorney general ( they lauged when they said this ) or hire a private investigation team and file police report. I have been a Chase loyal banker for over 10 years. The other two items of XXXX and XXXX were not reverted. How is that I had three transactions that I did that day and only that high amount one XXXX is the one as they put it " they don't have sufficient evidence that we did not charge this amount ''. My husband and I would not and have not shopped at this vendor. I believe someone made a duplicate card and or they said this is what the vendor is saying. How could they take the vendors word and not mine? I would like your help on how terrible and they had made feel as a criminal and I would like my money back in return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/18 I opened a BBVA Clear Connect Checking account with Promotion code : XXXX. This promotion is for {$100.00} deposited into checking account after meeting a requirement. I completed this requirement by processing a bill pay to a cable company for {$25.00} on XX/XX/18. The terms of the offer state that the checking account bonus will be deposited within 90 days of meeting the terms. Seeing that it is now beyond 90 days and BBVA refuses to acknowledge this, I am filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: GA

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.

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 2018-10-01 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: GA

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX is a non for profit volunteer organization that has run youth baseball for around XXXX kids a year for many years. We had our treasurer who is now in jail deposit checks made out to our biggest vendor, XXXX Sports and deposited them in her personal bank account. Bank of America is the bank she used and they let her deposit a check completely made out to someone else and put in her personal account. I have the name and police report number so you can verify the above but you said don't put personal names on this complaint form. The checks were made out to XXXX Sports and signed by this person and deposited in her personal account. We feel this is complete fraudulent endorsement and Bank of America had lack of adequate banking controls to protect its customers. They are taking no responsibility in this and we are now out {$66000.00} in 76 fraudulent checks over a 12 month period. When we did our yearly audit we found the negligence on Bank of America and proceeded with prosecution of treasurer. She is now spending 3 years on guilty plea deal in prison. Our insurance company doesn't cover this type of loss and we our left with having our kids suffer for the pure unprofessional acts of Bank of America. How can a bank possibly think this is fair, they either had a employee in on the deal or had such a lack in banking skills that would allow someone to allow this to happen.

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 2018-10-01 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:
I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. Capital one says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is XXXX XXXX is also listed on my credit report and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts have my signature however the signature/date for the sales consultant is different on each contract. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX   as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, XXXX XXXX only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract. 

Lastly, I went to my state 's Office of Financial Regulation page to verify the license of XXXX XXXX XXXX and to verify if they are licensed to collect in my state. My state 's page show 's NO RESULTS FOUND for this company. This means they are either not properly licensed to do business as a collection agency or operating under a different name, which both are illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX - Booked an itinerary # XXXX with XXXX. The full itinerary was canceled but XXXX failed to refund the full amount and only refunded {$260.00} for 2 excursions but failed to refund the hotel portion of {$1300.00}. 

I disputed the XXXX amount with Citi and the investigator required that I provide proof that I actually canceled the itinerary. I sent Citi a copy of an email from XXXX with the heading " Requested Email : Hotel Cancel - Itin : XXXX - Case ID : [ XXXX : XXXX ] '' the body of the email contained the following message ; " Dear XXXX, We are still in the process of contacting XXXX XXXX for your cancellation request, please expect an email update from us within the next 24 hours. Thank you for choosing XXXX. XXXX XXXX Customer Service Team. 

The message is straightforward and obvious. XXXX is in the process of contacting the hotel to cancel my reservation. However, Citi 's investigator sees it different. and in the letter it states " We did not receive a valid cancellation proof in your recent response. '' The email is from XXXX, the itinerary is the same, the message is clear that XXXX was supposed to cancel the hotel reservation in the amount of {$1300.00}. The Citi investigator 's determination is illogical and in contravention to the evidence presented. 

More importantly, XXXX never delivered the goods purchased for {$1300.00} and now Citi is requiring payment for something I never received, which is a violation of the Fair Credit Billing Act 15 USC 1666 ( a ) ( B ) ( ii ).

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 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, It is NOW ALMOST 5 YEARS since i asked CHASE for help to avoid foreclosure. 

All they keep doing is play games with me since 5 years ago, i have hired 4 different real estate agents from different offices to get my short sale approved and every time that we get close to get the CHASE approval. CHASE keeps playing games stating that they can not work with my realtor because the investor of the loan which is CHASE doesn't feel comfortable with the agent. 

So 45 days when we were ready to finalize this short sale application, CHASE again told me that my short sale was approved but i needed to get a new realtor otherwise they deny the application. 

So i did i hired a new realtor and 2 weeks later on XX/XX/2018. CHASE sent me a letter stating that my short sale application was denied because ANOTHER LIEN HOLDER DIDNT AGREE TO RELEASE THEIR LIEN ON THE PROPERTY. 

Which it was a lie since there is no other liens against my property. I am very upset and tired of CHASE playing games with me it is ALMOST 5 YEARS trying to get this short sale finalized and all they keep doing is playing games with me. 

PLEASE HELP. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Website and Mobile application both have my " Browse offers we've selected for you '' section have an offer listed that im trying to take advantage of. Both electronic avenues just said " thank you '' when attempting to get a referral. The offer states " Earn up to XXXX bonus points per year '' by referring a friend. I have called 3 times to inquire about the error with no resolution. I have also advised 2 CSR 's and 1 Supv of the situation including having screenshots of the writing on both the mobile app and full site. Chase made no effort to correct or rectify the error and advised we can not assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took out a payday loan from XXXX XXXX in XXXX Ca. on XXXX XXXX in the amount of {$5000.00} based on my bank account activity which I was OK with but, I was under duress and was not properly informed of what I was signing. I was told that my payment would be a total of {$260.00} monthly and to my shock and surprise it was two monthly payments of {$260.00} with a grand total of {$520.00} a month! which I think and know this is robbery and I rather not pay this loan any longer because if I do I will become homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. XXXX XXXX says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.

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 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: CA

Complaint narrative:
We had a death and change of address in the family where we did not know an HOA changed, we had auto payments going to the wrong address which I provided a death certificate and proof. Once we found out it was too late and the HOA payments went to collections. I engaged with the collections agency and told them what happened but they would not accept my offer to pay the due fees and insisted on exorbitant legal fees. They never were in contact with anyone so why would they go in this direction. They won't accept my fair offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.

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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
A collections account is showing on my credit report from choice recovery for XXXX XXXX XXXX XXXXXXXX. I have never been a patient with this medical company/doctor since I have been XXXX. If this was for me I would of been a minor and not signed for treatment or responsibility of the bill. I have received no bills from this company or had knowledge of the bill. Shows an amount of XXXX and date opened XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im id and social was stolen and I reviewed my credit and noticed that I had a credit card on my report that I did not open ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I already filed a complaint over this company, and they said they were going to close this case and take it off my credit reports. Due to it being identity thief. 

I received a letter today XX/XX/2018, that they were going to open an investigation again. the letter was dated XX/XX/2018 2018

Company response to consumer: Closed with explanation