vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was faxed to Capital One XX/XX/XXXX however as of this date no reply or update of the investigation has been provided. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. In addition a SYNC/Walmart credit application was submitted XX/XX/XXXX An official dispute of both of these applications was sent to XXXX XXXX XX/XX/2018 however as of this date no update of the investigation has been received. This is a violation of the FCRA and my clients consumer rights.

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 2018-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX XXXX, FL ( XXXX XXXX Airport Branch ) has failed to refund to my Bank of America account ( XXXX ) in the amount of {$230.00} after their desk agent at XXXX XXXX Airport stated that she would not charge my Bank of America credit card for the renting the same vehicle on Saturday XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX.

Due to a name change on the driver my husband paid the rental via his XXXX credit card ( XXXX ). Her husband paid the extra charge which totaled {$230.00} since it was a last minute decision to include her husband as the main driver. I agreed to accept the extra charge as long as XXXX would reimburse my BofA account. The XXXX agent told me she would reimbursed the {$230.00} charges on my BofA account and would have to wait a few days for that charge to be reversed, since it was for the same vehicle. Hence, the charge on my Bank of America credit card account should have been deleted or refunded as promised. Bank America, was sent extensive documentation as well as a detailed explanation but refuses to delete or reimburse this charge when valid and reasonable proof was presented to their representative. 

I have included the required information that shows these charges are invalid and will attach them in this complaint which. 

XXXX invalid charge and BofA 's refusal appears to be a violation of EFTA, UDAAP, and FCRA regulations.

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 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A {$27.00} debit card transaction to XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EDT has caused a {$34.00} insufficient funds fee yet before making that purchase I had {$20.00} available in the account and I transferred over {$5.00} from another account via XXXX which caused me to be {$1.00} and a few cents overdrafted which is well under the {$5.00} limit according to Chase 's overdraft fee regulations

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.

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 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NC

Complaint narrative:
I was contacted by Americollect concerning a small medical bill of {$160.00}. What they did not realize is that this was not my medical collection but my wifes medical collection. I paid for the collection and asked politely to have it removed from all three of my credit bureaus being XXXX, XXXX and XXXX. They have refused to do so. Again legally they have no right to attach a debt to my social security number or my credit report when it clearly is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. 

I called to cancel my appointment that I didn't want to apply for the promotion. 

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. 

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. 

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. 

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. 

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.

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 2018-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On XX/XX/XXXX my Navient loans emerged from deferment after my cosigner 's bankruptcy disbursement was accepted. My total loan with Navient is {$160000.00} and my monthly payment is {$1300.00}. I only make {$50000.00} a year in Washington, DC, and between servicing two other loans, bills, and living expenses that exceeds my funds my hundreds of dollars. 

That evening, I attempted to fill out Navient 's payment plan estimator tool, but I continued to get error messages. After thinking it was a misunderstanding of mine, I called them on XX/XX/XXXX to speak with a live person about repayment options. The person I spoke with informed me that my loans were not eligible for payment plans and that the total is due beginning in XX/XX/XXXX. I explained that the payment was greater than my rent, and I was simply can not make that payment. My representative then asked me how much I think I could pay. Naturally, I thought that was suspicious and told her I would not haggle, I know there are formulae used based on my income they could use to determine a more manageable payment and that I would not engage that line of questioning. Next, she explained there was one option - an " interest only '' payment plan. The interest only plan estimated about {$940.00} a month and still exceeds my means. She said I had no other choice. I told her to put it in my account notes and I would call later. 

On Monday XX/XX/XXXX I called again to get some paperwork to review. It was the same story with no other plans, but then they told me they could not send me anything until I agreed to it on the phone. That really raised my suspicion. I refused to that arrangement and asked they send me an estimate in writing to my email. They said they had to write a special letter and only could send it through the USPS. I am currently awaiting that letter. 

My job hunt is dependent on me paying my bills, and this can severely impact my ability to pursue a career and earn an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: NJ

Complaint narrative:
I am responding to your letter regarding the unauthorized use on my credit card from XXXX XXXX. I have contacted XXXX XXXX on multiple occasions and have only been informed that an order was created on XX/XX/XXXX @ XXXX that contained e gift cards. On multiple calls, the representatives indicated that e gift cards are sent out systematically 2-4 hours after purchase. They could only see the email address on file, but could not confirm the email delivery address. Two representatives even informed me that the original email was not sent out as the order contained a ship to store item. XXXX XXXX did agree to resend a new email on XX/XX/XXXX with the e gift cards and XXXX was able to confirm they were already redeemed by another user account. I absolutely did not benefit from this transaction as you indicated in response to me. I am demanding that this {$100.00} charge to my account be removed as I did not make, authorize or receive anything from XXXX XXXX. My understanding is that there is a 100 % guarantee of assurance that unauthorized charges made on account would not be my responsibility. I have reported this to my local authorities and have enclosed the police report. I hope that XXXX XXXX, Chase and the local authorities can identify who benefitted from this transaction, as XXXX has the information but is unable to release the information to me. I am available to discuss any details regarding this case as I do not want to continue to be the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am trying to transfer monies from my Capital One checking account through the Online Savings account and Capitol One will not allow me access to transfer monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: OH

Complaint narrative:
Submitted dispute to Equifax regarding a hard credit inquiry I did not authorize from XXXX XXXX XXXX on XX/XX/2018. Dispute confirmation # XXXX. I did not provide any social security number or signature to XXXX XXXX XXXX, and was informed by company in-store associate that there was no credit check. Spoke with associate at XXXX XXXX XXXX Customer service hotline on XX/XX/2018 and was ensured that the inquiry would be removed. Equifax did not verify any social security number, or signature to any paperwork- because no signature or social security number was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In so much that on XX/XX/2018 Chase XXXX did deny access to our account # XXXX ; and in so much that, per instructions on the web site, a phone call was placed to Chase customer service ( and that call was recorded ) to be issued a code for secure access ; and in so much that Chase customer service refused to issue such code ; and in so much that multiple secure emails have been sent, and received, notifying Chase of the cardholders blocked access to make payment ; and in so much that Chase has, after 3 business days, been unable to rectify and restore cardholder access as Chases customer service reports no ability to access said account ; the remaining balance due is hereby ( under both state and federal law ) exonerated. 

These finding as described are now a matter of record for the courts to hold should Chase pursue any legal action in any attempt to collect the remaining debt now exonerated to the cardholder. 

We retain proof that Chases web site permits unrestricted access to one of 2 accounts we hold, but does not permit access despite utilizing the same web site and identical protocol format. 

Furthermore, denied access to the cardholder is a breach of Chases terms and conditions. In addition, the cardholder now files with the following agencies relative claims as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX called my fianc when the auto-payments I had set up had not been processed leading to several past due payments. In the phone call, they told him the exact balance of my account and how much was due at that time.

They have also called my fathers number multiple times looking for me, even though they have my location ( address and phone number ).

I had received no phone calls or letters dictating that I was past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I have been trying to get in touch with my mortgage company for at least 4 months. My call can never get to them. I'm always on hold for over and 1 hour. My access to the website has been blocked, in order to unlock my account I have to call them directly, but how if I'm always on hold for so long. I just want to ask a few simple questions, how can I add my wife as an authorized party or what happens if I default on my account at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Numerous times I have contacted the XXXX XXXX XXXX and Transunion regarding an open delinquent account showing on my credit report. The balance is incorrect which states that I owe {$170.00} but the actual amount that I owed was {$33.00}. I requested proof from the company and finally received it this year although I paid the bill in XX/XX/2016 ; therefore I have a {$0.00} balance and never was it {$170.00} debt. I still see the incorrect amount listed on my credit report and as an opened account.

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 2018-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Diversified Consultants called my employer before the open of business about a XXXX XXXX  bill that I have no knowledge of. It is not on my credit report and I do not know why they call me. The representative was very rude and I asked her do not call my job again or me because I have no knowledge of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
after sending written letters to the company disputing the amounts they are requesting owed, they sent an old medical bill with a medical diagnosis on it and an amt due.

I sent out another letter explaining that they violated the HIPPA and needed to remove this collection from my report. I still have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX  XX/XX/2018 Experian does not have all my employment current I have been going threw this month after month with Experian taken off information on my employment. one month all my current employment on my file the next its only 1 showing now.

XXXX XXXX XXXX XXXX XXXX XXXX  Im an XXXX  I have attach copy of my State Lic I have Attach in the past copies as proof and Experian every other month changes or removes my Employment for no reason.

I have copies of my report mail out by Experian as to how they keep removing my Employment

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 2018-05-18 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:
I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief