vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have an account that is showing charge off in my credit report WESTLAKE FINANCIAL SVC I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with WESTLAKE FINANCIAL SVC I dont understand why they continue to show that my account was charge off by them when the account was charge off by Automovil on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TN

Complaint narrative:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
so back in XXXX of last year I bought a computer on XXXX and put it on my XXXX credit card. The guy who sold it to me gutted a bunch of apple parts on it and I took it to apple to check it out and they confirmed there was a Bunch of broken parts in it and bunch of apple parts take. out. I had proof from XXXX sent it on to XXXX and they refused to do anything about it they and I sent it to XXXX XXXX and they still reufsed to do anything about it after proof and everything. so for reason I am still paying for a broken computer this is the XXXX problem XXXX problem is I paid my bill on XX/XX/XXXX on there website eve thing looked good when I paid it so when I called on the XXXX to find out why they never posted my payment they said they never got it so I was upset talked this customer service reps who are very very rude so I paid the payment on the XXXX and asked to remove the late fee they refused take to the managers they still refused. they didn't tell me anything about adding XXXX to the minimium payment so I called on XX/XX/XXXX told them I made my payment the rep on the phone checked it and said I was fine he didn't tell me about the extra XXXX they added to the minimum payment so today they are counting me as delinquent saying I owed another XXXX on top of the minimum payment and they are charging me another XXXX late fee on top of that. so they don't post my 1st payment last month they add XXXX to the minimum and then give me too late fees. I want this whole thing fixed and my XXXX refunded

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 2019-03-26 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: TN

Complaint narrative:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.

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 2019-03-26 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: TN

Complaint narrative:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.

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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I submitted a request via email and over the phone numerous times asking for my PMI ( mortgage insurance ) to be removed since my home value has risen high enough that my loan to value ration is at 80 %. Mr. Cooper insists that XXXX XXXX  will not allow loans to have PMI removal unless its 75 %, however I do not find that verbiage anywhere on XXXX XXXX or XXXX XXXX  sites. Neither do the loan terms indicate what the LTV ratio requirements are if a house happens to rise well above 80 % LTV. They even initially hinted that I could easily get it removed if my house gets appraised at a certain value and had me pay for that appraisal ( Serviced by their own third party partner ). Then they come back with a new number saying its actuallt 75 % LTV. I have email records with me screen shotting XXXX XXXX and XXXX XXXX  sites making my case clear that I should be allowed to submit an application to XXXX XXXX   for my PMI to be removed since my appraisal proves I have met the 80 % LTV

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: NY

Complaint narrative:
out of the three major credit bureaus, equifax has always reported incorrect information on my credit history. THEY ARE INCORRECTLY REPORTING MY NAME AS XXXX XXXX, this is not my name on any accounts.since 2013 they have reported my address incorrectly. i have faxed and mailed my correct address to them. this had still not been resolved. there are creditors that have been paid in full that are not reporting any longer. XXXX  and XXXX have deleted them ( XXXX, XXXX, XXXX and XXXX XXXX ). equifax has been provided with the paid in full letters and refuse to delete these companies. after the 12th investigation they are stating that the balance is showing as XXXX and they will continue to report. refusing to delete. when i call i am given instructions to fax and mail, along with sending my government i.d and social security card. 12 times. the last time was XX/XX/XXXX, XXXX there is still no resolution. they are also reporting that a fraudulent XXXX  account that has also been deleted by XXXX and XXXX. euifax refuses to delete. causing me to loose employment, housing and not being able to obtain student loans for my XXXX children in college that will have to leave next semester

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: TN

Complaint narrative:
I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This company has charged back several disputes based on their own opinions. I let the XXXX go for a flight I NEVER took and company promised the credit would be returned and NEVER did. So I turned to capital one and they charged it back with no proof I took a flight or reaching out to company. I let a XXXX transaction go for an item that was ALLEGEDLY left on my door step go and states it was delivered because there was a tracking number. But I never recirved this alleged item and refused to let me dispute it again. I called and advised them I didn't authorize a XXXX transaction for a car deal that was being disputed and now they are attempting to charge it back. The company hasn't responded. I didn't state fraudulent or contested this charge back. I stated It wasnt authorized at that time on XX/XX/19. I was in process of purchasing a vehicle and it sat on their lot for almost a month. And still haven't provided the guaranteed work on the vehicle.. And company didnt abide by the contract. The reps are putting in disputes as a reason for whatever they decide and consumers are being held liable for transactions they can not confirm on facts was received or delivered. I NEVER stated it was fraud I stated was not authorized at the time of the charge and XXXX XXXX didn't abide by a written agreement. We are still in a contract dispute because promises weren't kept. Clearly they don't listen to calls when customers call in for disputes. The rep XXXX XXXX Just stated being charged back because a chip was used. Never stated I didn't give them the card it wasnt supposed to be charged at that time and still haven't been resolved with contract. AND FOR HER INFORMATION CHIPS CAN BE UTILZED AND DUPLICATED. I have proof of this when my capital one debit card was used to deduct cash in Texas while I was at work in COLORADO on SHIFT and capital one STILL hasn't advised me how my card that was n MY possession was used and my ENTIRE check deducted from an ATM in Texas. And they credited THAT back AND IT HAD A CHIP. 
Funny it was a capital one card that was embedded with EMV chip to prevent access by counterfeit card. Since she's utilizing this as a reason to charge back the XXXX. Even though that wasn't the reason for initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
I have never agreed to open a credit card named " SYNCB/XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX  XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.

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 2019-03-26 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: TX

Complaint narrative:
I have never agreed to open a credit card named " XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.

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 2019-03-26 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: TN

Complaint narrative:
I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

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 2019-03-26 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: TN

Complaint narrative:
I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i went into bank of america to open a checking and savings account. i was denied. i was told i already had an account six years ago and it was closed due to check fraud. i have never owned a bank account from bank of america. i was given a number to call. they then emailed me and requested information from me. i was refused information as to when the account was opened, what i.d was used to open the acct, how long it was open, and what transactions are linking me to the account. i was asked to make a police report, however i dont have any info to put on the report. i dont know where and when the account was opened. i have never been accused of having an account at this bank, it has never come up on any credit history or file. i have accounts in two banks both in good standing and wanted to open an account at bank of america because my XXXX children have student accounts there and it would make it easier to transfer funds between accounts. i feel that i am being discriminated against for being 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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I received an email from XXXX XXXX XXXX advertising their credit card with the offer of XXXX points and a XXXX Companion Pass after spending {$4000.00} in 3 months. When I purchased a flight on XX/XX/19 I selected the offer either from the email or display advertising on XXXX. 

I believe the ad switched me to a {$200.00} off flight credit by confusing me believing I was receiving the XXXX point and Companion Pass as part of the deal as well. I opened an account and then began to use my new XXXX XXXX XXXX XXXX credit card for all purchases so I could spend the {$4000.00} in 3 months to earn the promotional offer. 

After I spent the {$4000.00} I called Chase to find out when I would receive the offer they said that offer did not exist. It took me finding the email for them for them to actually believe the offer did exist ( they managed to find it after I found email proof ) and Chase then informed me the offer expired and I actually selected a different offer for {$200.00} off and XXXX points after spending {$500.00}. I offered to send them the email ; the manager informed me that they do not have an email to receive the evidence. 

I explained that I would never have opened an account if that was the offer and my spending habits clearly show I was motivated in spending {$4000.00} in 3 months. After having to escalate, I spoke with a manager and said they would review my case but I may lose the {$200.00} flight credit if the review was processed. I explained that was fine as the XXXX points + companion pass was my motivation to sign up. 

Approximately 10 days later I received a letter saying that " my account is not eligible for the new offer ''. I did not request a new offer, I requested that Chase honor the original promotional offer which I was led to believe I was signing up for. 

I am very disappointed in Chase, I have a XXXX XXXX card with them which I have had for over 5 years and I am upset that they did not honor the offer I signed up for which expired on XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CA

Complaint narrative:
On XX/XX/XXXX, I made a mobile deposit of {$210.00} that was sufficient to cover same day debits totaling {$170.00}. To my surprise, Chase charged me two overdraft fees totaling {$68.00} on XX/XX/XXXX. 

I work in good faith to keep my account funded so as to avoid overdraft fees. To my disappointment, I find that Chase uses hidden or changing policies in a 'gotcha ' scheme to extract overdraft fees, which are extreme costly. 

I contacted their customer service but was rebuffed. If I can not get this matter resolved, I will begin looking for another bank, such as XXXX XXXX XXXX that does not charge such fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I CALLED XXXX TO UNLOCK MY FRAUD AND FREEZE INSTEAD THEY ADDED 7 MORE YEARS THEY DID IT THEIR PHONE CALLS ARE SABATOSHED. THEY DRIVING ME XXXX INSANE THEY AUTOMATICED DID ON THEIR OWN WITHOUT MY CONSENT. I HATE EXPERIAN ALL THEY DO IS DRIVE PEOPLE INSANE AND CANT GET THROUGH TO THEM THEY ARE VERY WRONG! I WANT MY CREDIT FILE UNLOCKED! THEY DID THELOCK ON THEIR ON THEIR OWN WITHOUT MY CONSENT! UNLOCK ALL MY CREDIT REPORT! WHAT KIND OF BUEREU ARE WRONG!!! I HATE IT IM GOING TO COMMIT XXXX  AND IT WILL BE CAUSE OF EXPERIAN!

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 2019-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened a 12 month CD account for {$60000.00} at the XXXX XXXX Branch of Bank of the West at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XXXX of XXXX. It renewed itself in XXXX. On XX/XX/XXXX, the maturity date and the first day the grace period, I phoned the bank and spoke to someone who identified himself as the manager. I told him I did not want the CD to renew for another 12 month term. He told me that in order to prevent the CD from renewing I would have to appear in person or send the bank a notarized letter. 

In my CD contract with Bank of the West it says, '' All automatically renewing CDs with terms of 32 days or longer have a 10 calendar day 'grace period ' following the maturity date of the CD when you can withdraw funds or make changes to the CD without an early withdrawal penalty. '' Nowhere does the contract state that one must appear in person or, if not in person, provide a notarized letter of intent during the grace period. 

Further, Bank of the West 's internet advertising states mobile banking customers are allowed to make : External transfers move money from Bank of the West accounts to accounts at other banks. 

I am a mobile banking customer and was not offered either of these options. I was leaving that day for a 2 month trip to XXXX.I was in XXXX and on a boat for the entire grace period. I found it impossible to present a notarized letter. 

I believe that Bank of the West uses this unfair, possibly illegal, practice to retain customer 's money for as long as possible. They offer a teaser promotional interest rate on CDs. When the CDs mature, they are renewed at a significantly lower rate. Then if the customer can not appear in person at the bank or can not get a notarized letter, they charge extreme penalties to withdraw the money.

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 2019-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
XXXX at Convergent has been repeatedly calling my husband while he is at school and work. My husband recieves multiple phone calls a day, from the same gentleman. I asked for not to call my job regarding personal matters. I was assured that they would remove my work number from the list. Today, I recieved an email from a secretary stating please call XXXX with a number.

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