vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company states the dispute was not specific

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 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

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 monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I received notice from Nationstar Mortgage, LLC dba " Mr Cooper '' that they had sold / transferred my loan to XXXX XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX ( 8 business days prior to the transfer ). 

The notice failed to meet the requirement of " not less than 15 days before the effective date of the transfer, '' as required by 12 CFR Part 1024 Section 3. The transfer of the mortgage was not covered under an exempted scenario as outlined in the statute. 

I contacted Nationstar dba Mr Cooper multiple times, both via phone and in writing, about delaying the transfer of the servicing of my mortgage as I wanted to explore my consumer rights to not do business with XXXX XXXX as I had previously been a victim of fraud perpetrated by XXXX XXXX employees ( and condoned by XXXX XXXX management ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with this matter.

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I want to use XXXX ( XXXX XXXX XXXX ) to help me keep track of what I owe in taxes for my XXXX. 

I try to connect my account to the service, but Capital One is blocking it. 

I called Capital One and they said they will not allow it to connect. 

This is my information about my account. I would like to connect to this service. Captial One, especially the XXXX business division is a mess and I keep running into roadblocks and terrible customer service and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I had the insurance on the credit card that I paid monthly for and when I lost my job, the insurance paid the debt in full. Ever since, they have tried to bill me for {$280.00} in interest and late fees from after the debt was paid. They are harrassing, call all the time stating they will sue me over the {$280.00}, I have tried to dispute this. They do not provide me with anything but a simple statement showing the money owed, there is no validation to how the debt was incurred and they have falsely reported this on my credit reports. This is the only derogatory issue on my credit report at this time and I want to resolve this once and for all. The credit report on XXXX shows the Date Opened was XXXX but last report on XXXX. Everything about this account is incorrect and they constantly harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company incorrect in reporting accounts payment balance, amount, payoff status, address and account open date.

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 2017-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Refinanced a commercial loan and trying to pay off the current loan with the loan servicing company, XXXX XXXX XXXX. XXXX is requiring three to five days to determine the pay off amount which is costing me over {$110.00} per day. Their reasoning is that is takes them that long to review the loan documents. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Inquired about {$300.00} increase and did not receive a response to the request.

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 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, my address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Tx. XXXX.My phone number is XXXX. I currently am trying to release my co-signer XXXX XXXX XXXX. My co-signer is my brother who is currently in the process of requesting loans for his daughter to begin her 1st semester of college. I was denied the ability to re-lease him according to something appearing in my credit report. I have 11 years of diligently paying my loans on time and holding a full time job.I submitted all the pay stubs necessary and the application. I have thoroughly checked my credit score and it is a XXXX. I have no derogatory claims open. I have called people in the co-signer release dept and none of the representatives were able to resolve my questions as to why i 'm being denied. Nobody could even direct me to a dept administrator to  challenge the judgement within Navient. I need my brother XXXX XXXX XXXX released by XXXX XXXX, 2017. My brother needed his credit freed up to apply on behalf of his daughter 's future education. I 'm asking for fairness to be applied to this scenario. I do n't believe I 'm being treated ethically. I believe the way i 'm being treated is illegal. I have completed the mandatory requirements as outlined in the application process. I have read that Navient is encountering lawsuits specifically with regards to this issue of co-signers being denied release. They explained my brother would be on the loan for the lifetime of the loan. Despite me legally abiding by their requirements. I really want to this issue resolved in an expeditious manner. I do n't want to seek legal avenues. I want to believe Navient is capable of doing the morally right action and releasing my brother XXXX XXXX XXXX. Can you please advocate on my behalf to get my brother released? 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

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 2017-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

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 2017-11-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received an email from a Company pretending to be associated with XXXX XXXX. They said I received an award. It was a fraudulent enticement to purchase on a recurring charge a product. I learned from Citibank I had only 14 days to cancel the recurring charge. I was out of the country so was unable to access the information to stop the charge. The small print was not legible and I was not aware that it was a recurring charge. Besides I was confident that since I had a virtual account number from CitiBank, they would only charge me one time, for XXXX. I was shocked that they were able to use that virtual account number 2 times as you can see on my credit card statements from 2 different months. XXXX from Citi disputes said it was the same transaction. I differ with that as it was charged at 2 separate times.

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 2017-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation