vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital Bank has reported me on 2 closed accounts opened 8 years ago that do NOT belong to me ; I would have been XXXX years old when these accounts were opened. The closed accounts have negatively impacted my credit score and my ability to maintain a good credit score. I have repeatedly called Capital one to remove my name and information from these closed accounts but my attempts failed. I ask that Capital one remove my association with these cards immediately. The accounts are closed accounts on my credit report, please have them REMOVE from my credit report as they do NOT belong to me and opened by someone else when I was XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 for the second time I sent a certified mail and requested that any address that didn't reflect my current residence on my credit report be removed. This certified mail was sent to XXXX and Experian with a notarized letter. They since then responded with those adresses still showing. ultimately I just want those addresses off.

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 2018-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Around XXXX18. I had applied for an installment loan with Wells Fargo Bank. My application was denied and there was very little basis to their decision. My partner who has a lower credit score and makes half as much money as I do was approved and I was denied. I then had to call to verify some information with them and then was informed that I did not qualify because of the purpose of my loan. What I am going to do with my money is MY BUSINESS. I felt that I was being discriminated against based off of race and other reasons.

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 2018-12-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. Collections : XXXX/XXXX Account Type : Collection Agency/Attorney Creditor Type : Rental/Leasing Date:XX/XX/XXXX Original Balance : {$2500.00} Dispute this company : Identity Theft 2.XXXX/XXXX Account Type : ChargeAccount Date OpenedXX/XX/XXXX Dispute this companyI payment on time, There's no reason to automatically close my account. 

3. XXXX/XXXX Account Type : ChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1700.00} Dispute this company : Identity Theft 4. XXXX/XXXX Account TypeChargeAccount Date OpenedXX/XX/XXXX Hight Balance : {$2100.00} 5.  XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1500.00} Dispute this company : Identity Theft 6. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$180.00} Dispute this company : Identity Theft 7. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 8. XXXX XXXX  XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 9.  XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$930.00} Dispute this company : Every time I pay on time, I have paid off my arrears. 

10. XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$2100.00} Dispute this company : Every time I pay on time.There is no reason to close my account. 

11. CHASE CARD Account TypeChargeAccount Date OpenedXX/XX/XXXX BalanceOwed : {$2100.00} Dispute this company : Every time I pay on time, I have paid off my arrears.There is no reason to close my account. 

12. XXXX/XXXX Account TypeChargeAccount Date  Opened:XX/XX/XXXX BalanceOwed : {$1500.00} Dispute this company : Every time I pay on time. I have paid off my arrears.There is no reason to close my account. 

Appeal : I'm a wholesaler on XXXX. Closing my account has had a great impact on my business company and individuals. Every time I pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
We closed on our home XX/XX/2018 and were informed during the closing that in South Carolina we would have to demonstrate to the Tax Assessors office that we lived in the home in order to receive the 4 % tax rate. However, closing costs were calculated at 6 % and mortgage payments would be made at the 6 % rate until the assessor reduced the amount and sent us the final bill. We proceeded and received the XX/XX/2018 final bill on or about XX/XX/2018 and sent it to LoanCare ( attachment : Tax bill ). LoanCare responded XX/XX/2018 ( attachment : First response ). After that response, I called LoanCare who then told me that I needed to submit an Escrow Analysis request in writing which I did ( attachment : request ). I received acknowledgement of the request ( attachment : acknowledgement ). I called to inquire based on their response on or about XX/XX/2018 at which time I was informed that it was not complete yet. I followed up on XX/XX/2018 at which time I was told that an escrow analysis would not be completed until XX/XX/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 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.

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 2018-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to close my account since XX/XX/XXXX when Bank of America placed my account in closure status. I have called at least 40 times, gone into a branch at the direction of the risk department to withdraw my money and was unsuccessful. 

As of XX/XX/XXXX, Bank of America informed me that they were no longer closing my account due to an error made regarding fraud that was not fraud. I was told my account would update overnight and my money would be available the next day XX/XX/XXXX. 

Now on XX/XX/XXXX I call and I'm told Risk isn't the right department, I get transferred to a supervisor who hangs up on me and doesn't attempt a call back. Upon calling back into the Risk department I'm told that they do see the notes and it could take 24 to 48 hours for me to receive the update and gain access to my account and money. Well, it's been 72 hours since that time and nothing. Additionally this has been ongoing withholding my money from me for almost two full  months.

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 2018-12-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I was charged a {$39.00} annual fee for the card. I called and spoke to multiple reps who told me this fee can not be reversed even though I just changed the card to a no fee card. This fee is from XX/XX/XXXX-XX/XX/XXXX confirmed by the capital one reps but they will not reimburse the annual fee even though I will not be using that card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 a letters were sent to Renton Collections to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies for two accounts. Neither happened and calls have continued to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
in XX/XX/XXXX I became delinquent on my mortgage. I was offered a HUD loan and accepted as it was my only option. I have since asked to be provided documentation in regards to that loan ( ie. an itemized list of all charges to be included in that loan, documentations that I signed. ) I have not received that. 

The mortgage became delinquent again and starting in XX/XX/XXXX I started paying additional on my mortgage each month this continued into XX/XX/XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. 

Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XX/XX/XXXX - {$1200.00} Surplus Placed into a suspense account XX/XX/XXXX - {$1700.00} Surplus Placed into a suspense account XX/XX/XXXX - {$960.00} Surplus Placed into a suspense account XX/XX/XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. 

The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. 

I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 5 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. When faced with specific instances of violating consumer protections the conversation turns cold, or they inject other misinformation to further muddy the waters. 

It is my understanding that PNC is in violation of the Prompt Crediting Under FRB Rule as well as Prompt Crediting under Dodd-Frank, TILA Amendments and CFPB Regulations. As well as numerous others. 

If accepted the partial payments ( ie. payments less that the periodic amount ) should have been placed into a unapplied funds account/suspense account. The " funds must be applied from the suspense account when the amount in suspense is equal to or greater than a periodic payment '' It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.

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 2018-12-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The current issue I am having is with Synchrony Bank/JC Penney. They have been improperly reporting to XXXX   credit report agency. Synchrony Bank has been reporting a date that is inaccurate. They said that the last payment was on XX/XX/XXXX. The account was closed in XX/XX/XXXX and I had made no payments in the year of XX/XX/XXXX The last payment that I had made was XX/XX/XXXX. The date of XX/XX/XXXX should not be listed as a last payment. It should reflect as last payment XX/XX/XXXX. Just by them reporting this date inaccurately has lowered my credit scores by a fair amount.

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 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. 

As treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account " control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. 

I became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. 

What initially captured my attention is that the bank allowed a third-party to designate an account " control person '' when the condominium association left a " beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. 

My suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.

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 2018-12-10 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I notice multiple inquiries on my EXPERIAN credit report, some reporting twice from the same company. Some different companies but the same day. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Type All Banks - non specific XXXX CREDIT/ROUTE XXXX AU Dates : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX Type Automobile Dealers, Used XXXX XXXX XXXX Dates XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific XXXX Date XX/XX/XXXX Type Savings And Loan Companies XXXX XXXX   Date XXXX Type All Banks - XXXX XXXX XXXX XXXX Date : XX/XX/XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX Date : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type All Banks - non specific

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 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Um I was trying to open a deposit account with Wells Fargo and I got denied.

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 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peterson Enterprises, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 a letter was sent to XXXX XXXX XXXX   to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies. Neither happened and calls have continued to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I inherited XXXX pounds sterling from my brother in XXXX. 
My XXXX  attorney sent it to my US account with Citizens Bank. 
I received {$77000.00} on XX/XX/XXXX of this year. The effective exchange rate applied was 1.245. 
At that time the spot or inter-bank exchange rate was 1.3, at that rate I should have received {$81000.00}, a difference of {$3400.00}. 
I was charged an overt {$10.00} transfer fee but the additional {$3400.00} constitutes a hidden fee that bears absolutely no relation to the wire transfer service performed. 
When I complained, the bank told me that the 1.245 rate was their " client rate '' and that it was applied whether the amount transferred was {$1000.00} or {$200000.00}! 
For {$1000.00} I would call that fair but for {$80000.00} it is exorbitant.

Company response to consumer: Closed with explanation