vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION

Complaint narrative:
This is the 4th time that they are having my remittances to the XXXX delayed. I am not sure why they say that they are waiting for an approval while we pay cash for the transaction. The amount is just small but the funds are for emergency allowance so they should keep the promise of having the remittance credited to the receiver 's account. It is now taking days while the promise is within the day. This is a big inconvenience.

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 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase credit cards. I had 2 credit cards with Chase. I went online to Chase 's website on XX/XX/XXXX, and paid off the entire balance on both. My balance showed XXXX. One of them was almost {$2000.00} and the other card was approximately {$2300.00}. Whatever the balance on both of them was, I paid them both off in full. A while later on my Chase freedom card, I have a late fee of {$30.00} approximately. I found this out on XXXX XXXX. I called them up, and told them about this issue and that I had paid off in full the balance on XX/XX/XXXX. They said it was interest fees. I did not agree, but paid it, because I do not want my credit score hurt. Them reporting this " late '' fee with was not even supposedly due yet to the credit reporting bureau cost me 23 points. Now today I noticed on XXXX XXXX, they said I owed the {$12.00} and my score dropped 55 points. I do not understand how I paid them on their website online the entire balance off on both cards, and them saying I owe them interest fees that are late when the day I paid them off, it said I was paying off the entire balance. A few days prior to me paying them off I made {$150.00} payments to both credit cards, which was more then the minimum balance. I called and tried to figure it out, and they keep calling the {$12.00} and {$30.00} interest fees even after the balance was paid off in full. Their dishonesty, and lack of help cost me almost 100 points on my credit score. ( These credit cards are in myaiden name XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loancare claims they sent me a check on XX/XX/XXXX to refund escrow for loan number XXXX. I never received it, and was contacted by Loancare to reissue the check XX/XX/XXXX. 

I completed the form to have check reissued, and was promised to receive the check in 7 to 10 business days, but have not as of XXXX received my money. 

I have contacted the company several times and spent much time on hold, only be told that it's processing. 

At this point I wonder what my rights are, and if I am owed interest etc.

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 2018-07-02 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: COMMERCE BANK
State: WI

Complaint narrative:
I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: MD

Complaint narrative:
So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my TransunionXXXX  credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.The XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.Transunion/XXXX  is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by XXXX also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps

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 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My loans had been originally XXXX XXXX beginning in XX/XX/XXXX. They were purchased by Sallie Mae and then Navient. I learned about the Pulic Service Loan Forgiveness program and immediately called Sallie Mae to make sure my loans were in the right place. They assured me on many occasions that I would qualify for loan forgiveness as a public school teacher. I also asked about income driven payment plan which is a qualification for the public service student loan forgiveness. I was told if I did that payment I would not have anything left to forgive which was ridiculous as I still have {$40000.00} left now to pay. I payed 10 years ( longer actually ) of ontime payments and checked in multiple times with Sallie Mae about the program and every time they assured me I would qualify for forgiveness in XXXX. I filled out the paperwork for forgiveness and was denied because my loans were not with XXXX XXXX. Sallie Mae lied to me repeatedly. My loan should have been forgiven and paid off. Instead I still have XXXX XXXX to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in 2017 for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the XXXX XXXX XXXXXXXX Account # - XXXX. 

XX/XX/XXXX - XXXX XXXX XXXXXXXX Account # - XXXX was deleted from my XXXX  credit file. However, that account was not removed from my Experian credit file. Filed several disputes with Experian but they did not remove the fraudulent XXXX XXXX XXXX account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted XXXX XXXX XXXX to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from Experian saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from Experian credit report agency since the information was corrected at Equifax but it is still wrong with Experian. I believe that both XXXX   XXXX XXXX and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my XXXXEquifax credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.XXXX XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.XXXX/Equifax is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by Equifax also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm trying to link my accounts together so I can transfer funds between my accounts and I was blocked from doing so ... Please fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries are listed on my Experian, XXXX and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX  XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

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 2018-07-02 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX XXXX and Trans Union credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DC, XXXX, XXXX, XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

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 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: CA

Complaint narrative:
XXXX XXXX XXXX has sent me a letter Im attaching to this complaint, that they have removed my account from their system and marked it as fraudulent. Removing me from any responsibility for the account, which was previously a charged off account. 
Experian refuses to remove the account for the last 60 days now and refuses to allow me to show them the letter from premiere. Saying account can never be disputed again I dont need to dispute the company removed it. 
Why Experian refuses to comply is a gross violation of the FDCPA, FCRA and the FTC.

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 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: AZ

Complaint narrative:
About two years ago I took out a loan from moneymart. I was unaware these types of loans are illegal in Arizona. I have paid thousands in interest At a rate of more than 100 %. The statutory maximum in Arizona is 36 %. The lending disclosure forms clearly show the interest rate is more than 100 %. Since this loan is illegal in Arizona I would like the remaining balance to be voided. I have paid back the original loan and a large amount of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a credit card account with BBVA compass bank which was opened in XXXX. 

1. There was a {$93.00} outstanding balance on the card in XX/XX/XXXX, for which I did not receive a bill and which BBVA compass posted as a late payment on my credit report. 

2. The outstanding balance only came to my attention following the damage to my credit report. At this point, I wrote a check made out to " XXXX XXXX '', as per the instructions of the bank 's collection department. The amount of {$93.00} was deducted from my XXXX XXXX XXXX Checking account on  XX/XX/XXXX. 

3. My credit reports were fixed to reflect that my BBVA compass account, which was a " Failure to pay '' had been updated to " paid as agreed '' status. 

4. In XXXX, XXXX and XX/XX/XXXX, I received emails from BBVA compass stating that my online bill was ready to view. 

5. I had earlier called compass bank and asked them to stop contacting me. The person on the phone could not confirm that the account was closed and was unable to acknowledge that I had paid the outstanding balance of {$93.00}. 

6. If I do not stop receiving unwanted email contact from BBVA compass, I will consider it email harassment and seek legal recourse in accordance with the laws of my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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: DISCOVER BANK
State: KS

Complaint narrative:
I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK IS A LIAR, INCOMPETENT, NEGLIGENCE MORTGAGE LENDER, THEY LIED TOO. 
THEY FORCED ME TO SHORT SELL MY BEAUTIFUL HOME THAT I LIVED IN FOR 22 YEARS. 
CHASE WILL SAY THAT THEY FOLLOWED ALL POLICIES, UNDER THE LAW BUT THEY DID NOT. 
I SENT BACK ALL DOCUMENTS THAT THEY REQUIRED AND THEY CONTINUELY LOST THEM ON PURPOSE AND SAID I DID NOT SEND THEM IN WITHIN THE TIME FRAME THAT THEY ALLOWED. 

DON'T BELIEVE A WORD THAT THEY TELL YOU. 

7 CHASE TOP EXECUTIVES COMMITTED XXXX, BECAUSE OF THE WAY CHASE CAUSED MILLLIONS OF PEOPLE TO BECOME HOMELESS, CHECK IT OUT. 
I AM REQUESTING {$40000.00}. IN DAMAGES, PLEASE YOU NEED TO GET THEM TO PAY,

Company response to consumer: Closed with explanation