vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Report is reporting wrong information. Report is fiction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit Report is reporting wrong information. Report is fiction

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 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Report is reporting wrong information. Report is fiction

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 2018-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.

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 2018-03-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: VA

Complaint narrative:
XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : 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 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: FL

Complaint narrative:
I have received a prep paid debit card from XXXX a money. I have never applied for it and dont want it associated with me. Cant get anybody at brink so money to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against them.

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 2018-03-17 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: WA

Complaint narrative:
I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
Thank you

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 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX  and im not applyiny for nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is in regards to XXXX XXXX XXXX  and they're XXXX card I was told that they needed a copy of my driver license or some form of government ID and Social Security card and they were kind of unclear about the other item was something that would be mailed to my residence so I went into a local bank and I gave them my driver license social security card a copy of my health insurance with XXXX XXXX that I've had for going on three years now and my XXXX cell phone bill thinking that that would be acceptable and then this morning I got a call kind of early on a Saturday morning at XXXX and rather than the guy telling me what he could except he just kept talking in terms of a setback and tell me what he could not accept and finally after

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
i sent money in XXXX yesterday through western union, but a receiver didnt get the money i sent, western union in XXXX said over sending need to change the name of the receiver..i just want to change the name of my receiver to get the money in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds
State: MD

Complaint narrative:
I filed a complaint with the CFPB reporting XXXX XXXX/XXXX XXXX 's misrepresentation of the terms of forebearances on their loans, their predatory practices along with their deceptive practice of leading people to forebearances without offering any other options, ( they've been sued for this in TWO states already ) on XX/XX/XXXX. The matter was closed and Navient reduced some of the unfair fees and interest they added to my original loan. I have made regular payments to Navient every single month for at least the last 2 years during my battle with them and did not miss a month.I refused to sign any document that claimed I owed $ XXXX when I know I never agreed to any of that and they no record of me doing so. 
They reduced the loan ( not by nearly enough, by the way ) because they could not deny the fraud that was committed against me. 

On XX/XX/2018 my loan was reported as defaulted to the national credit reporting agencies in an act that can only be interpreted as retaliatory. 
It is no coincidence that this was done barely 2 weeks after I filed my original complaint and XXXX REDUCED the balance of the loan. The letter is attached here. It says the reason they did this was because I " failed '' to enter into a " satisfactory '' repayment arrangement. 
Please keep in mind the ARRANGEMENT they are referencing here required me to agree that I owed them more than 40 THOUSAND DOLLARS for a $ XXXX loan that I have made over $ 10k- $ 13k in payment toward. I refused to agree to that because it was a LIE. 

I proved I did NOT owe them $ XXXX. The PROOF is that they immediately REDUCED the amount they said I owed by {$7000.00} once I filed my original complaint with your office. 
I have attached the balance Navient showed on my loan the month prior to my complaint and the balance immediately after my complaint. 
I want this loan expunged/forgiven if for no other reason than to show criminal operations such as XXXX XXXX/XXXX that they can not continue to be permitted to steal from and abuse people and then punish those who stand up for their rights by maliciously trying to ruin their credit and lives. 
I have reported this entire ordeal to the Maryland State District Attorneys Office as I am aware that XXXX has already been sued for this last year by tow other states.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I bought a cellphone in XX/XX/2017 the cellphone never turn on I return it to The store then I called the Bank of America CREDIT CARD and put a complaint for defective merchandise case number XXXX the prize XXXX the bank never did nothing they paid to the store yesterday the store gave me a new cellphone but is the same think it does not turn on I do not want to pay Bank of America for defective merchandise the store is XXXX XXXX & XXXX XXXX XXXX XXXX XXXX NJ 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 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
The water finance company Aqua Finance was a fraud and not correct with their offering to give for their product everything was fraudulent and I think its not right to do people like that and I want it off my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.

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 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2016 XXXX XXXX from XXXX XXXX in XXXX, Texas with a phone number of XXXX closed my CHECKING account XXXX days before HE KNEW my automatic deposit would be arriving because I had this account since XX/XX/2016 when I opened it up at XXXX XXXX XXXX, XXXX, Texas XXXX with XXXX XXXX # XXXX under account number XXXX ; XXXX XXXX or XXXX XXXX then accepted my funds of {$2000.00} XXXX & then DID NOT return them to the issuing financial facility until 10 days later BUT suggested I stop by XXXX XXXX in XXXX, Texas to see if I could pick up the cash from this location when I was IN XXXX, Texas XXXX XXXX, Texas at XXXX XXXX XXXX XXXX Washington, Texas XXXX ( XXXX ) where XXXX & XXXX were tellers & so nice as well as XXXX plus to my knowledge I have never met XXXX XXXX or XXXX XXXX because I only stopped by XXXX, Texas bank on a handful of occasions & used the DRIVE-THRU because I was headed to Washington or XXXX, Texas to see family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello, I have a conventional mortgage with Chase. Due to divorce, we are selling the home and it is a short-sale. We have a buyer who has been approved for VA loan, but Chase is demanding that line XXXX on the XXXX is deleted. This line reflects the cost of the homeowner 's insurance for the buyer, and is required by the new lender. It is in column that reflects it will be paid by buyer. The new homeowner 's insurance has nothing to do with Chase as they are the seller. 

It does not make any sense why they want this line, that does not affect them, deleted. This is a requirement for the new lender. The attorneys involved and realtors do not understand why Chase is requiring this and have spoken to Chase with no resolution or satisfaction. 

They refuse to close without the line deleted. Closing has been delayed 3 times. This buyer is ready to walk away, and it will be the XXXX buyer to walk due to Chase 's inability to perform and close a transaction. I have already moved out of the home because we thought we were going to close XXXX weeks ago. 

They have no right to demand that line is deleted from XXXX. It does not affect them in any way, and it is a requirement for the lender. 

Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So while visiting relatives in the XXXX XXXX area, I frequently stopped in at the CHASE XXXX   at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX # XXXX during the latter part of XXXX through XX/XX/XXXX & these BANK employees harassed me by calling the COPS on me without justification as I was just walking past the bank & not even entering it ... I then was introduced to XXXX XXXX who after he opened my account ASKED me why DO I MAKE ALL these purchases which IS NONE of HIS GOT XXXX business ... I then meet XXXX XXXX who gives me a XXXX form because the IRS has returned my FEDERAL TAX REFUND via MAIL instead of placing in the account I authorized through TURBO TAX..Then on XX/XX/XXXX after checking my account I see that it has BEEN CLOSED but NOT by me & I owe {$40.00} and as I go to approach the BANK I see POLICE so I call the CHIEF of Police in XXXX XXXX, Texas XXXX I XXXX from to alert them that these XXXX, TEXAS XXXX who had forced me physically on XX/XX/XXXX to get in their car & they took me to the HOSPITAL that somehow was In XXXX, TEXAS but I live in XXXX XXXX, XXXX & I was sedated with something and WOKE up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: AR

Complaint narrative:
There is a Chapter XXXX bankruptcy listed on my XX/XX/XXXX Equifax Credit Report. This bankruptcy was not on the Equifax report between XX/XX/XXXX and XX/XX/XXXX. I was never notified that there was a change, and that this bankruptcy information would be placed on the Equifax report in XXXX ; it just reappeared with no explanation from Equifax. This action is illegal! In addition, the bankruptcy notation has been disputed to XXXX and XXXX because the bankruptcy court does not provide any information to the credit bureaus regarding bankruptcy. There is no law or standard that supports credit bureaus or XXXX XXXX placing bankruptcy filings onto consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Screening Reports Inc.
State: TN

Complaint narrative:
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Untimely response