vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for this credit card, and was never taught anything about credit growing up, which is something I definitely feel should be taught in school. I lost my Mother when I was XXXX and my Father when I was XXXX. Now as a XXXX year old woman, I have found out that credit is extremely important and all I want to do is fix it and use the information I have used, by self teaching, to maintain my credit responsibly. 

When I got the card, my boyfriend was working and helped me pay my credit card bill. I used the credit card and paid my friends down payment on her car, and she failed to pay me the {$100.00} back. My boyfriend 's job started cutting back on hours and sending them home early, causing his checks to be extremely short. 

This account remains on my account although it has been closed and I would love for this matter to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: PA

Complaint narrative:
I applied and was approved for the Chase Sapphire Preferred card on XX/XX/XXXX. The promotion I signed up for was for 50,000 points after spending {$4000.00} in three months. The promotion also waived the annual fee of {$95.00} for the first year. 

On XX/XX/XXXX, I was charged {$95.00} for the annual fee even though the original credit card application said the annual fee would be waived for the first year. 

I called Chase two times on XX/XX/XXXX to have them refund the fee since the promotion did not charge the annual fee for the first year. After speaking with two supervisors, their best explanation was that I applied for a different promotion that did not waive the annual fee. They said at the time, they were running two promotions -- one that waived the annual fee and one that did not. I accessed the application through their own website on two separate occasions, the first time I did not finish filling out the form. When I went back to submit my application, apparently the promotion changed and it was not made clear to me. It seems to me that Chase purposely knows that some consumers, such as myself, are unaware of two separate promotions ( on with annual fee waived and one is not ) and deceives consumers who unknowingly apply for the wrong promotion. The terms and offers should be made more clear throughout the application and should not change depending on when, where, how the application is accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

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 2018-04-07 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: OR

Complaint narrative:
After XXXX breach, XXXX gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, XXXX and Experian ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute

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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
I've been a Discover Card customer since XXXX. 
My payment history is excellent and my Credit score is over 750. 
On XX/XX/XXXX, I contacted the company to request a reduction of my 21.24 % interest rate. 
I spoke with a CSR named XXXX and his Supervisor, XXXX. They both told me that their records show that I am eligible rate, however, no lower rate was shown in their system. XXXX was " intrigued '' by the situation but could not provide an interest rate reduction. 
He did offer a refund of the {$74.00} interest that I was charged on my last statement. 
I think I should receive a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/18 I received an alert on my credit monitoring site that " National Credit Adjusters '' added a collection account to my credit reports. After some research of my own, the original creditor is listed as a company named " XXXX XXXX XXXX ''. Seems as though national credit adjusters purchased a debt from XXXX XXXX XXXX. Unfortunately this is a fraudulent loan obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never stepped foot into " XXXX  XXXX XXXX '' nor did I request their services. Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have asked Portfolio to validate the debt. The only THING they have sent me was some credit card statements that I do not reconize. Sending bank statements is not Validating debt. this is my last attempt to have this account removed off ALL my credit reports or I will be contacting my states State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received XXXX. I ask for them to take off the Louisiana child support off my credit and had gave them a copy of the court order, but its still hasnt resolved and my credit drop 32 points after the dispute.

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 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX-17 I do not remember the amount but it's for Bank Of America, XXXX XXXX XXXX and any other banks shown on the XXXX report. This one person who was my roommate at the time, when I opened the accounts, told me the checks he had were good and instructed me to deposit the checks into the atm and into my account but little did I know that they were bad and ended up getting the bank to force me to close out the account and be put on XXXX  for fraud when it was my ex-roommate who did the checks. There was a warrant out for my arrest and by working with my defense attorney, I was able to get the charges against me dropped. I can contact my defense attorney and get him to ask the police there for a police report that proves that the charges were dropped. I just want the XXXX bad listings on me to disappear for good. 
For XXXX, this was all because my roommate instructed me to deposit a, in his words, good check that was actually a bad check and that bounced, making me owe money and having the account closed out by the bank. 
I just want this to be off XXXX and me to be put out of the database.

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 2018-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I'm the first time car buyer. When I have bought a vehicle through the dealer, I was not aware of some terms. Now I find out that I was as cheated on the loan with Santander consumer usa. Also there is no change in the loan amount at all on my credit report. I'm making payments since XX/XX/2015..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have directed overpayments through the Navient website. I have clearly made the correct election to over pay a specific loan. The options on the website allow this but after I make the payment the following statement shows the directed overpayment to the specific loan has been spread among other loans despite my direction and the website directions I have chosen. I have spoken with Navient on several occasions over my repayment and they have said that they are not sure why " the computer has made that mistake '' and that they are looking into it. I have on more than one occasion asked for Navient 's assistance. I have had them walk me through making the payment to assure it was done correctly only to find the payment was spread among other loans despite having their assistance. The loan I am overpaying is the highest interest rate loan I have. It is a GradPLUS loan at 7.8 % interest. I want to direct all of my overpayments to this loan and their website says that this is allowed. I have confirmed this with Navient on the phone. Despite my direction Navient continues to take my overpayment and allot it to lower interest loans. The loan acrues $ XXXX/day. I want to reduce this and pay the loan off quickly. The blame a computer error. The account history application shows an inaccurate record of my payments in an allocation different than I have directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I've received crypto currency from a company in XXXX in 2012 sent through coinbase, i've had 2 accounts with coinbase that I have easy access to with no problems. However the account with the bitcoin transfer has been blocked from the coinbase domain. I am able to verify and ID authenticate all other accounts however the one with the currency has been blocked, I can not access it. 

I've reached out several times by emailing & calling the company with no support in managing the problem. 

I've gone through all the steps they suggested in the email to verify and access my account, from adding them to my email list, checking spam folders, and talking to my email administrator. The problem is from Coin Bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: NY

Complaint narrative:
Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!

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 2018-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.

Company response to consumer: Closed with explanation