vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: VA

Complaint narrative:
I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NH

Complaint narrative:
On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.

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 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX contacted my wife about a debt I owe. During this contact, they discussed specific details of my debt with my wife. It is my understanding that this communication is a direct violation of the FDCPA. 
" 15 USC 1692c 805. Communication in connection with debt collection ( b ) Communication with third parties '' Simple research on the internet will show that this company has a history of violating the FDCPA, including multiple class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid our account literally ONE HOUR late. 

They charged us {$25.00} and I called twice to have them rebate it and they would n't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: CO

Complaint narrative:
On Monday ( XX/XX/XXXX ) I noticed a charge on the joint checking account I share with my wife in the amount of {$22.00}. The charge was from EXPERIAN and appeared to be for a credit report. Neither my wife nor I requested a credit report recently. I called my credit union and they gave me a number for EXPERIAN. I called them yesterday ( XX/XX/XXXX ) and was on hold for 90 minutes without getting through. I call the same number this morning ( XX/XX/XXXX ) and was on hold for an hour without getting through. I went to their website and called a different number. I got through to someone in the charge dispute department and explained my problem. He told me it sounded like a membership charge. While I did request a credit score from EXPERIAN in the wake of the XXXX data breech, I did n't sign up for any kind of membership. The man I spoke with transferred me to the membership department and I am now on hold again ( 25 minutes and counting ). It is criminal that these credit agencies traffic in our financial information and yet we have to pay to access that information. Not only do they make huge profits off of our information, they 're careless with this vital data. I want the {$22.00} refunded and any membership that was set up unbeknown to me terminated. Thank you in advance for your kind attention.

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 monetary relief
Consumer complaint received 2017-11-28 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.

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 2017-11-28 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: KY

Complaint narrative:
XXXX XXXX XXXX ran my credit 7 times on XX/XX/XXXX. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

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 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FastBucks
State: UT

Complaint narrative:
I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.

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 2017-11-28 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: TN

Complaint narrative:
I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone

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 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: AR

Complaint narrative:
I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: KY

Complaint narrative:
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit Card : XX/XX/2017 XXXX XXXX : {$44.00} XXXX XXXX : {$37.00} XXXX XXXX : {$170.00} XXXX XXXX : {$100.00} XXXX : {$1.00} XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost my Capital One credit card then I report a list of fraudulent charges then they sent new credit card then place back all the charges back to my account. I called in the fraud department for help but the issues were not resolved then they closed the case. I was requesting to speak to the manager of the fraud investigator but they told me to write a letter. They did n't resolve the issues and closed the case and they want me to pay everything. The employees in the fraud department are very rude and lacking of customer service skill. They hung up the phone on me and refused to let me speak to the manager of the fraud investigator for my case. This is not fair because I did n't make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Made all monthly payments for Corolla XXXX by direct transfer between XX/XX/XXXX and XX/XX/XXXX. 
Returned car to Toyota Dealer end of lease with XXXX miles UNDER allowance of XXXX for 3 years. Obtained new leased RAV 4 from same dealer on XXXX XXXX XXXX. 
I wrote at least 4 times and called many times requesting process for returning Corolla at end of lease. No one EVER replied. 
Eventually returned it to XXXX XXXX XXXX. 
No damage, stains etc. XXXX XXXX employee, Toyota 'End of Lease Manager ' signed off on the excellent condition and mileage. 
5 months later I get a bill from credit collection demanding {$830.00} - no reason or documentation given. Distributor/ Toyota Financial Services extremely poor customer service, you wait 20 minutes plus on Toyota Financial Services line regularly. 
No one wants to help - just pass you off to credit collection when I was NEVER informed of any outstanding payment? 
Buy/Lease a XXXX or XXXX. Maybe they want your business more than Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX.  Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad 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 2017-11-28 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: KY

Complaint narrative:
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

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