vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
on XX/XX/18 i found an XXXX XXXX from a website ( XXXX  ) i've used before without issue. the seller claimed the phone was an XXXX XXXX, pictures reflected same and would work on my XXXX account. seller was selling phone for {$180.00} which i sent funds via western union  MTCN XXXX. 

Phone arrived weeks after that to my surprise the shell of phone looks like the XXXX XXXX but upon booting up the phone nothing inside is XXXX rather what seems to be XXXX or another type of software. seller communicated what did you expect for {$180.00}. well iphones are made in XXXX so logically it is possible that costs of phones there are in that price range. seller said they'd accept a return for refund of {$180.00} but I needed to pay for shipping not them.

shipped phone back via usps XXXX XXXX on XX/XX/18 for {$23.00} to Scheduled Delivery Date : XX/XX/2018 Shipped to : XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX For whatever reason the package sat in XXXX forever, then usps couldnt locate the package, claiming that since the insurance was at {$0.00} ( requested by seller ) they couldnt reimburse me and its lost. 

Then about 2 months ago after 3 months of hearing nothing the package in its entirety arrives at my home. communicated with seller upon receipt of package and said they'd take it back again but then never heard anything when I said i add insurance of {$180.00} to not get screwed but who knows if it would get refused or not picked up at all. 

i have screenshots of the phone, the seller, the website, transaction data, emails, etc. 

http : XXXX? XXXX http : XXXX tried filing a fraud claim through western union but it keeps erroring out. phone is still in original and received packaging unchanged. seller sold through XXXX seller received payment by western union

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX/ XXXX XXXX debt collector didn't verify collection. No contract. No signiture

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Veros Credit, LLC
State: CO

Complaint narrative:
Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I read online about an increased offer of XXXX miles after spending {$5000.00} within the first 3 months of opening on the capital one venture card. I clicked on the link advertising the offer and confirmed the terms on the application page. 
I applied and was approved for the card. After spending the {$5000.00} I logged into my account and saw that they deposited XXXX miles. I opened the online chat to ask them when I would receive the additional XXXX miles. The agent stated that my account showed I had an offer for XXXX miles after {$3000.00} spend. I told him that was not the offer on the application I filled out and I wouldn't have wasted the hard inquiry on my credit for that offer. I only applied for the increased offer. He transferred me to a supervisor who held firm. I asked what date the promotional offer ended and he said he didn't have that information. He gave me a phone number to call. I called the number and basically had the same conversation with this rep. They said they would open a case and someone would call me back on XX/XX/XXXX. I never received a call. My complaint is that capital one didn't fulfill the terms offered on the application which I filled out and was approved for. I did a XXXX search and found that the increased offer ended on or around XX/XX/XXXX 15 days after I applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One debt collector didn't verify collect. No contract. No signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Cr Un debt collector didn't verify collection. No contract. No signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CO

Complaint narrative:
Hello, I have had a debt ( {$24000.00} ) with the company XXXX XXXX since XX/XX/XXXX, which has been precarious for I had relied on Military benefits to repay, but which I eventually learned would not come, and have not been in the United States until one year ago to rebuild my life here. 

In acknowledgment of my failure to make these payments, I do not condone the tactics taken by XXXX XXXX to collect these debts. 

When the company realized my mother, the cosigner, had lost her fiance on XX/XX/XXXX, they immediately looked into his assets and determined they would intimidate her days after his death to take advantage of her grief with unclear threats. XXXX XXXX ( Employee ID # XXXX ) was the collector making the calls and threats, intimidating my mom on the day of her finance 's funeral, XX/XX/XXXX after a time trying to get my mom to warm up to her. My mother was shaken from the death, and wanted XXXX to stop harassing her and eventually gave in to the money drop on XX/XX/XXXX with a {$2000.00} credit card payment, yet that money itself is more debt than my mom is able to handle herself. But they wanted more, {$14000.00} in total to keep my moms name off of the contract, and continued to harass for any possible way to make large lump sums with me beginning on XX/XX/XXXX. Then XXXX found my brother 's cell phone number and began to harass him on XX/XX/XXXX. I have repeatedly stated we are not in a position to make large lump sum payments, and must sort out a monthly plan, which they repeatedly refused to consider. I find this unethical, given I spent most of this last year working for a XXXX XXXX XXXX that XXXX XXXX XXXX with helping the XXXX XXXX ( XXXX XXXX XXXX ), which is why I am struggling to build back money to sustain myself and help my mother who now carry 's even her hXXXX XXXX XXXX XXXX. I am seeking to coordinate this into a monthly payment until I am able to get back on my feet. 

Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TX

Complaint narrative:
There are fraudulent accounts appearing on my Transunion and XXXX  credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.

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 2019-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank is charging me almost 30 % on my credit cards. I pay the balances or keep them low and they refuse to lower the interest rate. They say that it will come up for review but can not tell me when that might happen -- it's at their discretion. 

I want the interest rate lowered. I am not asking for 0 % interest but it should be lower than 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a CFPB complaint against Experian ( XXXX ) and the agency 's response does not address the issue. On XX/XX/XXXX, Experian communicated to the CFPB they were " still working on the issue '', while the agency corresponded to me by mail on XX/XX/XXXX suggesting " accurate information could not be removed '' ( see attached ), Why was this correspondence not provided to the CFPB? On XX/XX/XXXX, Experian responded to the CFPB complaint suggesting the public record in question was verified by a third-party vendor, but NONE OF THE CORRESPONDENCE FROM EXPERIAN TO DATE ADDRESSES THEIR UNLAWFUL ACTIONS IN THE COMPLAINT. 

I am submitting FACTUAL, RELEVANT information to support their continued INACCURATE and UNLAWFULreporting of a public record on my consumer profile. The continued lack of acknowledgment and the correction or deletion of this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). Specifically, which court provided Experian 's public record vendor the verified results, was it U.S. BANKRUPTCY - CENTRAL DISTRICT or Us bkpt ct ca XXXX XXXX? They are BOTH listed as the source of alleged verified public  record on Experian 's reporting platform as of XX/XX/XXXX ; several months after the alleged investigation ( see attached ). 

Additionally, Experian has a fiduciary obligation to not only verify disputed information with the original source but to go beyond the original source when reinvestigating credit report inaccuracies ; not a third party vendor. This precedent was established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX 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 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a modification and Chase overcharged me. I presented proof as a receipt from the local real estate tax board along with the letter from Chase that stated how much I owed for real estate taxes. 
They refuse to acknowledge it. 
We had a deposition and my side was not allowed to ask questions and I got charged for Chase 's deposition. 
I was awarded {$500.00} against Chase from the Independent Foreclosure Review Board and had to get help from the Attorney General to get them to tell me in writing  what I was charged for in my loan modification. 
There have been numerous issues with the mortgage where they charged me fees for partial payments that they believed were bounced checks, they charged me for insurance when I had it, they charged me twice for insurance in the same month, and etc. 
I need them to correct the overcharges that I proved with the tax records so that I can sell the house. I do not ever want to deal with them again. I am afraid to continue dealing with them. I emailed their XXXX XXXX XXXX several times. They would have the Executive Office contact me but, they never resolved the issue.They have two hour recorded calls where I have called them and they agree to help on the call but, never follow through. 
I am having such a bad experience with them that I do not intend to hold a mortgage in the United States ever again. 
There is a possibility that the XXXX XXXX or XXXX XXXX XXXX XXXX did receive all of the the tax payments from XX/XX/XXXX-XX/XX/XXXX and didn't refund or credit them. I need an investigation asap, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: FL

Complaint narrative:
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I originated a new 1st mortgage with XXXX XXXX XXXX on XX/XX/XXXX-On my  Final CD there was in section H a principal curtailment of {$350.00}. When my loan was sold to Lakeview and transferred there that principal curtailment was never processed and the loan balance reduced. Kept waiting for it to show on XXXX XXXX site but even a year later it never did. 
I contacted XXXX early XX/XX/XXXX and of course they never forwarded the check-they then did so and it was sent to Lakeview/XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Back of check shows XXXX deposit on XX/XX/XXXX-what I later learned was it was applied to a different loan. 
I have been fighting this for almost 2 years now - have copies of all communications and what I think happened was the loan they might have applied it to was payed off so they have no recourse to get the funds back. 
This has been an ongoing issue back and forth with them for way too long-not only do they immediately need to apply those funds to the correct account ( mine ) but I think they owe me interest on this one as well-A FINE against them might even be in order as well. 
At this point I don't even get calls or contacts back and of course their servicing dept. is not showing anything in their system regarding this dispute-it has essentially been swept under the rug and they are probably hoping I will forget about it. I won't and they need a severe smacking from the Consumer Protections Finance Bureau.

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 2019-01-26 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX  had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: FL

Complaint narrative:
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX   removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
My mother had a Citizens Bank credit card. 

On XX/XX/2019, she died. 

On XX/XX/2019, I called and reported her as deceased. They asked for a copy of the death certificate. I have tried to send it to them unsuccessfully. 

I have also tried to log on to her account to verify it was closed. About a month before her death, I created login information so I could pay her bill online. I keep getting an error message that state that their system will not allow me to log in at this time. I thought maybe I forgot the password, so I sent a password reset to my e-mail. I still get the message, so Citizens has rendered it so no one can even view the account. 

I want written verification that the account has been closed and I am sending a copy of the death certificate to your office to forward to Citizens.I want to be certain that it was completely closed out and that the account has not been used since her death.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TX

Complaint narrative:
I disputed a claim of XXXX at Chase bank for a fraudulent transaction from XXXX and now the claim came back like i did it and now they are going to take out that from my checking account i am about to take this to small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is Chase bank. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the chase bank reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
Chase bank does not care about its customers and is rated very poorly.

Company response to consumer: Closed with explanation