vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one credit card manager did not honour my charge back rights and supported criminal unauthorised charges helping out merchant thieves twice, so taking my money from my account and not providing me the resolution as legally required. I called about 10 times with up to 1 hour waiting and explaining, also sent 5 emails and still got ignored and disrespected away from my legal rights.

These were the two unauthorised and rebilled charges and attempted theft : XX/XX/XXXX PURCHASE ADJUSTMENT AirfareXXXX XXXX ... XXXX {$66.00} XXXX Posted : Mon, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL AirfareXXXX XXXX ... XXXX {$66.00} XXXX , XXXX XXXX Purchased : Wed, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX  {$66.00} XXXX XXXX PURCHASE ADJUSTMENT Car RentalXXXX XXXX ... XXXX {$81.00} XXXX Posted : Thu, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL Car RentalXXXX XXXX ... XXXX {$81.00} XXXX XXXX XXXX, XXXX XXXX   Purchased : Sat, XXXX XXXX, XXXX  Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Uber Technologies Inc.
State: KY

Complaint narrative:
Hi I am needing help with my background check this is becoming a huge problem I am trying to apply for Uber as a driver and my background check comes back clear I am requesting a new background to help this matter for applying for Uber as a driver

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I borrowed a *single* loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made several purchases at XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX on XX/XX/XXXX I returned some items and XXXX XXXX XXXX XXXX refunded back to my card XXXX. I XXXX on XX/XX/XXXX to advise my credit has not appeared on my bank account I spoke to a manger XXXX who researched the transaction and confirmed everything posted successfully on their end I tried calling Citizens for 2 days each time got uneducated reps from across seas who gave me the run around. On XX/XX/XXXX I filed a XXXX XXXX XXXX complaint because I still have not received my credit and keep getting the run around from citizens, On XXXX a representative from the office of Chairman contacted me and said they were looking into my issue and would get back to me and have my account credited ASAP I was also asked to email a copy of my receipt confirming the transaction from XXXX XXXX XXXX XXXX I did this within minutes after hanging up with the rep from the office of the chairman. I called citizens on XXXX after being on hold 22 minutes from a rep from across seas was told my call could not be transferred to the office of the chairman someone would call me within 2 days UNACCEPTABLE SERVICE! I am beyond frustrated Citizens has not resolved this issue or contacted me for a resolution! The service at this bank is TERRIBLE I have been a customer for years and most recently with the service I have experienced will be looking to do my full banking with my current credit union! Citizens needs to post my refund IMMEDIATELY! Once again I am attaching my receipt from XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Payment made XX/XX/XXXX was applied ~XXXX XXXX. I called to close my account and to receive a refund of the {$64.00} owed to me. I was told that the account would be closed and that I would receive my refund in 2-3 business days. The account remains open, and I do not hav the refund. I have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX by email, as well as a gentleman who assured me it would be refunded to me by today. I spoke to XXXX today at XXXX who transfered me to a supervisor XXXX who said that it had recently cleared their accounting department and should be in my account by the XXXX of XXXX. This is all unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I contacted Citibank regarding a foreign transaction fee, of {$20.00}, which appeared on my statement. I was informed by the rep that my credit card was used in XXXX in XX/XX/XXXX. 

I was actually in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX, this is reflected in my credit card history. 

I have tried to resolve this issue with Citibank but they have only issued me a new credit card, I have not received credit while an investigation is conducted. In fact, when i contacted Citibank for a status update, in the XXXX XXXX of XXXX, I was informed that an investigation was not on file and that someone will contact me within the week. It is now XX/XX/XXXX and I have yet to be contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MY CREDIT FILE IS IN THE OFFICE OF COMSUMER AFFAIRS WITH EQUIFAX INC. EQUIFAX BLOCKS MY AND/OR CREDITORS TO SEE MY CREDIT REPORT AND CAUSES ME GRIEF AND CAUSE CREDIT DENIAL DO TO NO CREDIT FILE SHOWING UP. I HAVE BEEN DEALING WITH THIS FOR OVER 7 YEARS WITH EQUIFAX. I NEVER REQUESTED MY FILE BE IN SPECIAL HANDLING AS EQUIFAX REP SAID. ITS FOR MY PROTECTION. I HAVE ALOT OF INACCURATE INFORMATION ON MY CREDIT BUT IM UNFORTUNATE TO SEE IT EQUIFAX HAS ALSO BLOCKED ME FROM SEEING MY REPORT FROM ALL ONLINE ACCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account SYNCB/JC PENNEY DC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that SYNCB/JC PENNEY DC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: STERLING BANCORP
State: NY

Complaint narrative:
I was charged {$240.00} in overdraft fees. 

At the time there was a balance of {$11000.00} in my second checking account XXXX. 

I have been a customer since XX/XX/XXXX and have never once overdrafted either account. 

After weeks of phone calls and several exchanges of letters to senior management, I have been refunded for four of the seven fees but that is not sufficient to resolve this issue. 

1. 
On XX/XX/XXXX I overdrew my account XXXX four times and was charged {$35.00} for each point of sale transaction. 

2. 
On XX/XX/XXXX there was a balance of {$11000.00} in my second checking account XXXX. 

3. 
On XX/XX/XXXX at XXXX XXXX, upon learning of the fees, I immediately transferred in {$2000.00} from account XXXX. 

4. 
Later on XX/XX/XXXX three more fees were assessed to my account. This totals seven fees in all. 

Chronologically these three fees followed the {$2000.00} deposit. 

5. 
When I opened my account in XX/XX/XXXX, I enrolled in an overdraft protection product that would draw from my second checking account XXXX. 

At some point since XXXX, without my knowledge, this overdraft product was discontinued. The product I was automatically enrolled in at that time was useless to me. 

I do not understand whatever product I am now enrolled in which will pay transactions on account XXXX for a {$35.00} fee. This product is useless to me since I dont even have checks for this account. 

If I was informed my overdraft product changed at some point in the last seven years I would not have agreed to it since I dont care if a transaction is rejected on account XXXX. 

If I were attempting a purchase at a merchant -- and my point of sale transaction was denied -- that would be my cue to check the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Have had problems with this company ever since all my loans were transferred over. Originally had some loans with XXXX and some with XXXX. Now all are with fedloan for reasons I am not sure of. 

Requested to pay additional amount. Took two months to finally go through after several phone calls. Now they just lower my monthly required amount so my additional amount to be paid really isnt much or anything additional at all. Then once I am paid ahead by atleast a full month, they take it upon themselves not to take out a payment at all the next month, and report to my credit report that the loan is in a deferment state, dropping my credit score by over 50 points. I called about this and they told me it shouldnt be in deferred and to send them a copy or screenshot of my credit report. I did not send any additional information to them. This month, that remark on my credit report has been removed and my score is now up again. All for no reason of my own. I want a payment to be taken out every month for the same amount with the additional amount I requested added in every month. Since I requested additional payment be taken out, my payments every month have been different and change constantly. Emails that I get say I owe one thing and the website shows another. I never know what is going to be taken out of my account. 
Their website does not show any details of how interest accrues or how my payments are being applied and I have no option to choose how my payments are applied, additional or otherwise. 
I have looked online and I am far from the only one with these same issues. The company seems to be manipulating my payments and amounts to charge maximum interest. To date, I have paid over 50 % interest. I have paid more interest than principal and the interest amounts change significantly each month, sometimes very little and other times nearly the entire amount is interest. Usually interest is half of my payment. I don't understand how 6.8 % turns into half on a monthly basis. Website is designed very poorly so you can't get any relevant information on loans or do anything other than see what they are going to do with you this month. So frustrating and tiring. XXXX Veteran that used the XXXX XXXX and shouldn't even have all these loans to begin with, but I am trying to pay them down and XXXX is my biggest enemy to paying off these loans. They encourage you to put off payments. Thats the easiest option to find on their website. I am over that and just want to get these paid down in a fair manner. They will have no part in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Home Equity Loans, LLC
State: FL

Complaint narrative:
Applied for what we thought was financing for a loan, ended up being a loan officer who in fact does not work for or at a bank. He ran our credit and claimed he had numerous options for us and made an appointment for us to come see him, we were told to gather tons of financial paperwork that we would need. We went to see him on Tuesday XX/XX/XXXX and after he learned we were a family of XXXX and that my income was from XXXX, he suddenly had no options for us, told us XXXX people was " too many '' and that he couldnt help us. 

I'm not sure what family size or my XXXX  income should be deciding factors on getting a loan. Now since he has run my credit dropping my score down, I will now be required to wait months for my score to bounce back, before I can attempt to apply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX  and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident. 
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX   continues to report the matter negatively to the credit bureaus. Consumer  contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively. 
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
I refinanced my home mortgage loan with Quicken Loans back in XX/XX/2018. In XXXX I received a letter stating that my Escrow account was $ XXXX dollars short. Part of why it happened is they received notice from XXXX XXXX that I might be switching to a home insurance policy that costed approximately {$150.00} more than what I was paying at the time I took out the loan. I called Quicken to say that I was not changing my insurance and to question why there would be a shortage when my old home insurance did in fact go up $ XXXX, but the tax payment was exactly what was stated at the time the loan was taken out. It seemed and seems to me that they didn't give me an accurate account of what my monthly payment would/should be. The Quicken person said that they'd be reevaluating my escrow account and would send me a report- this said I owed them {$430.00} and my monthly payments would go up about {$40.00} a month. It seems like there was a misrepresentation of what I would have to pay since nothing has changed significantly since the time I took out the loan in XXXX. They either miscalculated or this is something they pull to further entice people.

Company response to consumer: Closed with explanation