vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
ID FRAUD VICTIM ALERT FILED XXXX MY IDENTITY HAS BEEN USED WITHOUT CONSENT TO OBTAIN GOODS OR SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Latest occurrence today XX/XX/2019 ; ongoing since on or about XX/XX/2019. I filed a complaint for excessive fees and for Chase Bank illegally applying NSF fees to scheduled in-house account transfers from one Chase account to another Chase account. I've had this account for 40 years. I've never had a problem with it until now. I originally had XXXX  XXXX, which was bought out by Chase a number of years ago. Since Chase merged with XXXX XXXX, Chase 's banking policies have changed drastically in their treatment of scheduled transfers from one Chase account to another Chase account which is under the same Social Security number. When funds were not available for the transfer the transfer would be cancelled and remain on schedule. A notice would be sent. No fee, no problem. Now they are paying the in-house transfer instead of cancelling it, so they can assess a NSF fee for each transfer. My husband died in XX/XX/2019 and since I brought his death notice to the branch Chase has been reeking havoc on all of my accounts, which now include the accounts of my adult children, whom I am either a trustee or a joint holder. Chase is  taking money out of every account with my name on it to cover thousands of dollars of NSF fees that should have never been assessed. To investigate my original complaint they gave me XXXX XXXX in the Chase executive office. Her number is XXXX, extension XXXX. She said she was handling investigating the case, but instead she gave authorization to Chase collections to take money from all of the accounts with me included as an account holder, including joint accounts with my adult children, who have been bankrupted by the collections processes underway. 

When I talked to XXXX XXXX she refused to pull up my account or to call the collections department to cease and desist collections on my children 's accounts. We have no money and XXXX XXXX is a complete fraud, she has no intention of doing anything to assist in this situation. All she did was thank me for calling, refusing to take any action whatsoever and provided no advice on who else to call in regards to the matter, leaving me and the bankrupting of my accounts in limbo. 

XXXX XXXX is the branch VP I recently contacted for help who did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Bloomingdale 's store card for several years. When my most recent bill came, it had suddenly become an American Express Bloomingdale 's card, which can be used in and outside the store. This is not something that I want or need. Furthermore, it was issued without my requesting it, and certainly without my permission.

When I called Bloomingdale 's to close the American Express card, I was told that I could only cancel the entire account. So that's what I did. 
I think it should be illegal to issue a major credit card in someone's name without their permission. 
Now I will have to go through the hassle of opening another store card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2019, they called at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I finally answered at XXXX XXXX. They were calling because my loan payment of {$XXXX} is  late by 9 days. My loan payment was due on XX/XX/19 and they are already calling me this frequently, including on the weekends. This is typical daily call frequency if the loan becomes more than 2 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: GA

Complaint narrative:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I  was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC and my local police. XXXX. XXXX, XXXX  XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

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 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated
State: MA

Complaint narrative:
Please see case XXXX feedback Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS I need your help.. I contacted XXXX XXXX XXXX and they told me that they cant give me any information. but now I got a letter that they issued me a triple seal judgement. please can you help me resolve this case. thanks in advance Sincerely XXXX XXXX XXXX. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
XXXX inform that account paid in full but the collection company is on my report not pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened an account with Chase Bank. A couple days later the account was suspended because Chase couldnt verify my Inmigration status. ( What does it have to do with opening a bank account ) so I went back to the bank and asked why? It turned out to be that they couldnt verify my address, so they asked me bill on my name to the address I live in ( which I have to them ) then the account was closed. Supposedly to my own request. I went to a different location and brought all of my legal documents ( just in case ) then they opened a new account. That was Friday XX/XX/2019. Then today Tuesday XX/XX/XXXX I try to open my account on my mobile app, and it doesnt work. A message pops up telling me to go to chase.com to log in and fix my log-in credentials. So I did and then it wouldnt let me log in there either. A message popped up telling me that my account was suspended for my security bases on my account activity. At this moment I decided to go to the bank location closest to me. So I give all my information again. The lady whom I was talking with then calls someone on the phone, then the payday on the fomnteles me that the account is restricted and that it will be close, any pending transaction will be renounced and wat Heber balance I had would be mailed via a check on my name. Then I asked the reason why this is happening and the lady on the phone said she couldnt tell me because its confidential information. At this point I asked how is it confidential if is my account the one that is being closed and no one is telling me why. And I need to know. At this point XXXX she said is because of the bank. So I just Hebe the phone bank to the other lady and walked away because she wouldnt help me. Nor tell me a reason why this is happening. Then I called customer service again and all they told me is that they couldnt disclosed that I formation with me, even tho I am the customer, and this information is about me, technically making it mine. Information they should disclose with me but they chose not to. At his point I ask to talk to her boss which she said she count do. And then go on to tell me no one inside of chase could disclosed that information with me. Then I asked who outside of Chase would. And she said that that information is only kept within Chase. Then I asked what department is responsible or that information. To which the lady responded that there is no department for it, its just the bank that decide to do so. That I have the right to stop using chase whenever I wanted just as Chase had the right to not have me as a customer whenever they wanted. But no one would actually tell me why I cant access my account or why I wont be able to have a chase bank in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
My Credit Information has been merged with my twin brothers information. 
When I attempt to " report a dispute '' on XXXX, Equifax, and XXXX, I am unable to report because I can not properly confirm my identity and my request to be allowed a dispute is denied. 

The reason I can not properly identify myself is because the 3 companies have merged my twin brothers information with mine. We are two different people sharing the same birthdate. They merged his social security number as mine. They merged his name to be mine. They merged his employers, his credit cards, his car loans, etc. 

When I call them to correct the issue, I can not answer their identity questions because their questions are regarding my brothers credit history, not mine. 

There should be one place to correct misinformation in this system. Why do I have to goto all the reporting credit agencies and fix the problem. Whomever is merging this data needs to correct the problem and send me a credit report with it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX/XXXX - partial account number XXXX ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I entered into an agreement with Sears Home Improvement for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through Sears Home Improvement for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a Sears Home Improvement credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave Sears Home Improvement permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had unauthorized charges on my account that kept recurring after I called to see what was happening. XXXX account was compromised and all the charges were eventually returned but Bank of America still refused to reverse the overdraft fees that have amounted to over {$480.00}. I have tried over and over again to get them to do their Credit/Debits to balance it out and show them that I never overdrafted.

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
out of nowhere, my interest rate was increased to a very unfair amount of 20.99 % from an already unfair amount of 15.99 %. I have never missed a payment. as soon as they did this my other credit card company did the same thing. something unusual is going on here this is total bank fraud!

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 2019-05-07 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: AES/PHEAA
State: NJ

Complaint narrative:
XXXX college is trying to charge me for tuition that i have paid off and are still reporting on my XXXX credit report. Also XXXX XXXX XXXX has been false reporting the same account 8 times on my file report i have disputed this with all my credit bureaus and they have been removed but XXXX is hurting my credit score with false reporting I have called to request all orginal contracts and they have not given me anything i also filed a complaint against them .. I need some one to help me because i work very hard to pay my bills on time and have good standing accounts for XXXX  to allow XXXX college and XXXX XXXX XXXX to do as they wish with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
They keep calling to speak to my mother. My mother has never been attached to this number in any way. I havnt lived with her in 5 years and we share nothing financially. They claimed they found this number in public records but all records i can find claim this is my number and that i am her daughter. When i called them out on that they hung up on me.

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 2019-05-07 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

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 2019-05-07 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX  XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech XXXX XXXX XXXX  mailed notice of escrow shortage on XX/XX/2019. The notice was received on the XX/XX/2019. On XX/XX/2019 contact was made with Ditech and a request for the due date was questioned. The letter fail to inform the due date of the shortage prior to automatically adding the shortage payments of {$40.00} to my monthly payment. The letter stated that the monthly payment will also be changed and the date for this falls on XX/XX/2019. How can this be possible? Ditech did not included a final due date on their letter of intent and forces a monopoly control on the mortgagor ( s ). This action to increase and force a higher payment is wrong and does not comply with the Statues of Limitations Enactment Laws. I have requested for full review of Escrow from the date of our account and property assessments from XXXX County Tax Assessor. ( Please request these for me ) I have requested the contract and yet to received my request. ( Please ask for them ) I understand that taxes increase, but Ditech must not increase without notice of a due date payment. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2018, I did an Wire transfer from the US to XXXX. 
The transfer was for XXXX $ and I bought EUR at the bank. 

The problem and I realize it afterwards is that the Excahnge rate offered by the Bank ( Bank of the West ) was far away for the spot FxRate ( 1.20 vs 1.16 ). 

The bank was not able to to explain me such a gap ( 0.04 cts ) that represents XXXX USD in the total transaction. 

I have contacted several times the bank to obtain not even a reimbursement but at least some explanations on this discrepancy and they were not able to explain me.

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 2019-05-07 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: GA

Complaint narrative:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC  and my local police. XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
-XX/XX/2019Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to XXXX XXXX as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX - XX/XX/2019Unauthorized credit card payment of {$2300.00} issued from my XXXX  XXXX XXXX account to XXXXXXXX XXXX Credit Card as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$2300.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
This complaint is in regards to a debt that has been placed on my XXXX credit report. I have sent letters to EOD CCA at XXXX XXXX   XXXX., XXXX, MA XXXX lasking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and EOD CCA, stating a contract for repayment. This debt was originally held by XXXX XXXX. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. I have sent letters to this company on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 And XX/XX/2019. I still have not received a response.

Company response to consumer: Closed with explanation