vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the authorized charge to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. 

Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. 
XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. 
XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. 
XX/XX/XXXX : Received an email from Discover saying my account was closed. 

If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. 

I would like Discover to activate the card or remove the account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - 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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Seems that 2 months ago Navient committed two illegal acts : -WITHOUT MY REQUEST OR CONSENT changed my accounts arbitrarily to be in deferment status until XX/XX/XXXX or so of this year -INCREASED interest rates from 6.79 % to 8.25 % - I sent several additional payments made directly FOR PRINCIPAL ONLY. and they are not been applied accordingly to reduce the primary debt I never applied for any kind of deferment nor requested any kind of changes. This is a repeat problems as about 18 months ago they did the same. Why are these rats allowed to do this? They have been sued repeatedly across the nation for such misconduct and yet the government still allows them to continue to do this. 

I demand a full investigation and removal of all financial charges created by this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Auto Finance continues to report an auto loan that is a result of identity theft. I have disputed this account and have submitted my identity theft report and they have yet to conduct a proper investigation. I'm not arguing that the account does not exist but it wasn't open by me. There's no signed contract bearing MY signature agreeing to this account. The reporting has hurt my credit rating and defamed my character.I have suffered damages because of the inaccurate reporting of this account.This is clearly violation of my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - CBNA ( I have no Citibank XXXX XXXX XXXX XX/XX/XXXX - XXXX ( The only service monitoring my credit activity is XXXX. I don't recognize XXXX. ) XX/XX/XXXX - THE CREDIT ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX,2018, XX/XX/ 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have asked them to provide documentation/bill for amount they claim is owed - I believe this is paid or is more than 7 years old. I have asked them to stop calling - they call sometimes 2 or 3 times in a row mostly with no message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018,  XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
There was unauthorized access on my account so they closed my account for 4 months telling me they are investigating it. I had to to call and email and could not get a hold of a person to discuss over the phone. They said complaints are only delt With via email. Then 4 months go by my account still locked and the money is still missing. {$600.00}. I just want my money back I would contacted My bank but I thought they were taking care of it and if there was a problem and they couldnt refund the money I thought they would give me a call or send a email. Nothing happened but a locked Account so I could not check to see what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX,2018/ XXXX XXXX2018,   XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX holds our mortgage and also collects escrow for our insurance and taxes. We have been receiving documents from the insurance company since the beginning of XXXX about our renewal and I have been monitoring the policy deadline, I wasn't concern because the mortgage company holds our escrow for this, until four days before my home owners insurance was due my carrier still had not receive payment. Payment was due on XXXX/XXXX/18, United has stated that they did not receive any documents from the insurance company yet the insurance company has confirm the address of where the letters were sent and I was also receiving copies. I received two letters in the month XXXX 2018. It's not the consumer job to police the mortgage company to pay their home owners insurance we trust that they are a reputable entity with the resources to comply with their contract. Today is XXXX/XXXX/18 and payment has not reach the insurance company. We emailed united at XXXX on XXXX/XXXX/18 to pay the insurance as of today XXXX/XXXX/18 our insurance company still has not receive payment even though united has confirm a check has gone out. I am disturbed that they did not comply with paying our insurance on time. They are irresponsible and negligent on so many level. I want to make sure that this does not happen again to us or any other consumer whose loan is with XXXX XXXX XXXX. Should I now be concern that our taxes will not be paid on time to receive the full 4 % discount in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: CORELOGIC INC
State: GA

Complaint narrative:
I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - XXXX  ( I have no XXXX credit cards ) XX/XX/XXXX - CREDCO ( The only service monitoring my credit activity is XXXX. I don't recognize Credco. ) XX/XX/XXXX - XXXX XXXX ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi Ive been a XXXX bank customer for about a year now with a XXXX  credit card. I currently have a payment due of {$100.00} since I had missed a months payment. Today ALONE I have received 3 phone calls and I am in XXXX so its only XXXX XXXX!!!! They call from a bunch of different phone numbers and the past few days theyve been calling from an unknown number and they refuse to tell me who they are until I confirm that I am who I say I am which Im not comfortable giving my info over the phone until I know who Im speaking to. Theyve called me two days before my payment is even due to remind me. I feel like Im dealing with the mob. My credit card is not in collections so to be HARRASSED from XXXX until XXXX XXXX   over {$100.00} is absolutely obscene. Yesterday was 8 phone calls and Majority of the time the person on the phone is nasty and Im at the point where Im going to cancel the card so I dont have to deal with the harassment anymore. Its affecting my quality of life being tortured by a credit card company. My limit is {$500.00} so I can only imagine how they harass people who have much higher limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: Total Card, Inc.
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: KY

Complaint narrative:
On XXXX XXXX I received a call from my brother informing me He recieved a call from XXXX XXXX requesting that I contact them. I called them immediately and spoke with XXXX the branch Manager. I let him know I was extremely disturbed by them contacting my brother getting him involved in my business especially when the payment was only about10 days late. He proceeded to inform me I was late on my payment and wanted payment today. I explained I was not able to pay today and he demanded it must be paid by XXXX XXXX. On XXXX XXXX XXXX the branch Manager contacted me and I told him I was not able to pay it today and his response was " we don't want your business as you are always a few weeks late on your payments. You need to go to XXXX XXXX XXXX and get the money to pay off your account ". I was shocked when I heard this. On Monday XXXX XXXX I went to the office to meet XXXX and when we met I let him know I felt like he owed me an apology for treating me so disrespectful. He responded rudely and arrogantly stating we expect people to pay their bills on time. I have never been treated so disrespectful by a company that I am doing business with. He did his best to make me feel like a low life bum.

Company response to consumer: Closed with non-monetary relief