vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a rebate from XXXX for {$1000.00} in XX/XX/XXXX. 
The rebate came in the form of a prepaid Visa Debit card. I hadn't noticed that it expired in XX/XX/XXXX until I was going to use if for some specialized holiday gifts. 
I can't get find out the balance but it is still most of the {$1000.00}. 

The card was issued by XXXX and managed on a site called MyPrepaidCenter.com I can log into myprepaidcenter.com - but there is nothing there as the card has expired and there is no way to see my balance or ask for a new card ( their terms say balance is mine and just need to pay new card issuance but don't see anyway to do this ) I called the number on the back of the card XXXX but this has no option for expired cards and keeps referring to the website - so endless loop of no help I also tried another one of the card numbers on their website contact us page but it also gave an endless loop of marketing options but no way to get in touch with a person Appreciate any help you can get contacting them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I attended XXXX XXXX University from the Fall of XXXX until XX/XX/XXXX. I was there for 5 semesters & graduated XXXX XXXX, XXXX. I am a former XXXX. I never had any student loans. The VA paid for my 5 semesters. But even if I had loans, it cost less than {$4000.00} per semester. {$4000.00} 5 = $ {$20000.00}. Th student loan people claim I owe them almost {$100000.00}. AND they claim I have loans thru XXXX & XXXX. I GRADUATED IN XXXX!!! They also claim I have loans at multiple universities in different cities!! I have been trying for years to get them to resolve this & all they say is, " it's your loans. We verified it '' That's complete nonsense. If this cant be resolved & these loans removed from my name & credit report, I will have to notify the FBI, my attorney and file an identity theft & fraud lawsuit. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone.

They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 a withdrawal of {$2400.00} was made. I did not make it later that night another amount of {$3800.00} was withdraw. I did not make it either. 
I feel Iam a victim of idenity theft. and elder abuse.I reported the first withdrawal as soon as I noticed it and was told by BOfA Fraud department they saw the first one happening and would stop it. And they would block my account. Neither was done. Instead another withdrawal of {$3800.00} was done during the night. 
A debit slip was made out in my name for {$2400.00} The signature is in my handwriting but the handwriting on the slip is not. 
I immediately told Bank of America i needed help and asked what to do. 

I have copies of both withdrawals. 
I went to my Bank the next morning. They closed my account then and told me what to do and reassured me all would be returned. 
My account number with them was XXXX My fraud # is XXXX. 
My husband and I had been BofA clients for at least 40 years. 
I Then called the police, my lawyer, computer consultant, XXXX and I researched California Fraud detection and prevention poloicies including Reg E. 
I did everthing I was told and and still they denied my claim saying all was my fault. 
They said my cell phone and computer had been hacked. And I needed to provide " Proof of Porting ''. I  spoke to XXXX and they told me I would have to see a lawyer. 
Losing {$6000.00} plus hiring a lawyer is very difficult for me. 
I am a XXXX year old widow. My husband died 4 years ago with XXXX. I am a XXXX XXXX and cared for him for the 8 years he was sick. I am not proficient in money matters. 
I feel this is wrong and I desperately need help.

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 2020-01-11 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: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They never removed my bill i paid off on my credit reports and they kept a bill on my account that turn in that was fraudulent

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 2020-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a complaint with CFPB against TransUnion on XX/XX/XXXX regarding 3 unauthorized inquiries. In my complaint submitted to TransUnion all necessary documentation as advised to me by the FTC. On XX/XX/XXXX I received mail from TransUnion stating they did not have my current address and wanted me to send them proof of address. TransUnion was sent my proof of address in my original complaint with CFPB which did include my drivers license with my current mailing address including my social security card. I have resided at my current address since XX/XX/XXXX and TransUnion knows this because I sent them a dispute last year with all required documents. TransUnion is violating my rights under the FCRA, they have failed to remove inquiries and have failed to accept my Identity Theft Report despite submitting all required documentation. Once again I am submitting this complaint, and including : Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, TransUnion Credit Report, and FCRA 605b. If TransUnion fails to investigate my complaint this time I will have no choice but to file a complaint with my Attorney Generals Office.

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 2020-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I called because I was experiencing a financial hardship and I was told I was put onto a 12 month hardship program with automatic payments. In XX/XX/XXXX I received a call saying there was an issue with the program and it never actually set up but they were taking the automatic payments anyway. I fought with them because of the late fees and interest and they weren't fixing it. I went to the XXXX   XXXX  XXXX and they finally got it fixed. I then received a call in XXXX of XXXX saying that they fixed my account and I was put onto the program " correctly '' this time and all was good. On XX/XX/XXXX I received a call saying that I missed XXXX 's payment and when I asked how if you're taking it automatically they told me the payments are never set up. I fought with them and then asked for a supervisor, waited a half hour to finally get one who then told me that I was talking to the wrong department and transferred me. Then I finally get somebody in the " correct '' department who kept repeating the same line over and kept interrupting me while I was trying to talk then mumbled something and hung up on me. When I called back somebody picked up, mumbled something then hung up. I had to call back AGAIN and finally got somebody, who again kept interrupting me and finally got me to their supervisor. It took a full hour to have this resolved and a lot of anger when this should have been done correctly in XXXX then again in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Some used my debit card number at XXXX XXXX several times I contacted PNC bank and told them what happened I was issued a new card and they reversed the charges totaling {$130.00}. I was contacted by PNC via mail telling me that their investigation was completed and that they are going to debit my account {$130.00} in which I'm responsible for paying. I don't understand why I have to pay for these charges that was never authorized by me in the first place. I did not authorized charges totaling {$130.00} to my card this is ridiculous. PNC did not protect me instead I'm being penalized for something I did not authorized I am highly insulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX I opened and credit card at Nordstorm XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX Nevada XXXX XXXX XXXX Nordstoms on the following date of XXXX XXXX I then recievied at state form stating that the Nordtroms credit card had and addtional duplication of the credit card out I was asked to bring my credit card so the credit card can be closed due to there mistake the credit card was closed on the following date of XXXX XXXX the recovery unit for Nordstroms is XXXX after the credit card was close my personal information was sold to and debt collection agency the name of XXXX XXXX   debt collection the address is XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Both my husband and I applied for the {$120.00} Equifax offered for their breach, after they said we qualified for it, and now simply because too many people applied for what they offered us, now they say it will much less than {$120.00}. This is unacceptable because they are supposed to be compensating US for THEIR breach, so it should not matter how many people apply. They should be forced to live up to their original offer of {$120.00} each. The CFPB should not allow the amount to be lowered simply because they hurt more people than they thought they did!!! Also, why are we waiting many months for this compensation??? Give it to us now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
They never removed my bill i paid off on my credit reports and they kept a bill on my account that turn in that was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
This is pursuant to the initial complaint ( XXXX-XXXX  ). I spoke with XXXX the regional manager for bank of the west. He is not being helpful. They still have money on hold.

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 2020-01-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!

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 2020-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is the worst company to ever exist. Website does not work. Do the people at customer service even work for navient??? They don't know anything about whats going on. Applied for a repayement plan and their website always says an error has occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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:
After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!

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 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
My XXXX ( XXXX ) Account number for Internet services is XXXX. I was paying my all outstanding billing payments regulalrly without fail since inception of the account. 
I moved into new home in XXXX XXXX, Florida ( XXXX ) within the same city and requested XXXX  ( XXXX ) in XX/XX/2019 to transfer Internet services to my new home address effective XX/XX/2019 
XXXX ( XXXX ) advised that they do not offer services in XXXX hence I have to perforce terminate the internet contract and will also have to bear penalty charges ( {$80.00} ) for contract termination. 
I advised XXXX ( XXXX ) that contract termation charges being levied are unfair since I am not the one seeking termination but rather mere transfer of internet services. If the service provider is unable to offer services in a particular location within the same city then it is service provider who should bear the terminatiion charges and not me. I spoke to Ms. XXXX of XXXX ( XXXX ) on XX/XX/2019 at contact number XXXX which is XXXX Movers Department number, and requested for transfer of services. Ms. XXXX gave me ticket numbers XXXX and XXXX. On same day ( XX/XX/2019 ) I called XXXX ( XXXX ) corporate office number XXXX and spoke to Ms XXXX who advised that they are reviweing the request for transfer of services. Since I did not hear further from XXXX, I again called corporate office number on XX/XX/2019 and this time spoke to Mr XXXX who advised that account would have to be cancelled and I will have to bear penalty charges for contract termination. No reference number was given by Mr XXXX despite being asked. Mr XXXX advised that he has documented our conversation. 
Subsequently my account was terminated on XX/XX/2019and XXXX levied {$80.00} as contract termination charges. Subsequently on XX/XX/2019, XXXX  ( XXXX ) transferred my outstanding balance to collection agency AFNI Inc, XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ). Collection agency has since been harrassing me over the phone and I have not received a single letter in writing from collection agency formally advising charge of {$80.00}. I am extremely disappointed that my credit score is being adversely impacted by collections despite my request for transfer of internet services. 
I repeat that I merely asked for transfer of internet services and not cancellation, if XXXX ( XXXX ) cant  provide service at my current residential address than service provider is/was the one which cancelled the contract and accordingly should bear termination charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: OK

Complaint narrative:
On XX/XX/XXXX I logged into my Chase App & noticed a little box that said something along the lines of " You are already approved for the Chase Sapphire Preferred Card '' etc. It only listed the 1 card so I decided to look around and go to the Credit Journey service they provide through the app. and saw again, I was pre-approved for the CSP card and showed it had a XXXX Bonus Offer and a better breakdown of the terms etc. so I was like ok. Go back through the app to read further at the offer in the app and after clicking a box that I accepted their terms of service ( which there wasn't one ) and me thinking it would link me to an actual application, it pops up I was approved, my credit line etc. I didn't think much of it until the next day when it only shows XXXX points vs the XXXX so I went back to where I saw it and screen shot the info. just in case. I called into chase and spoke to a lady about the discrepancy, she was pleasant and offered to submit a request for the rewards dept. to look into it and stated it was " good I had proof '' & it would take 7-10 business for a response. When I got the response, they asked for a claim code/offer code. I didn't have either so I went through their messaging system on the app to upload the screenshots, proving I was provided the higher XXXX offer. Then from there, it went back and forth that I wasn't offered it and they would no longer respond to my requests on the discrepancy. At that point, I called in on XX/XX/XXXX and asked to speak with a supervisor. I was put on with an Account Supervisor named XXXX XXXX in XXXX, MO. I explained the situation, he proceeded to tell me that they are not responsible for the false advertising through a Third Party ( Credit Journey ) that they offer services through their app. and that they have to deal with the issue of false advertising on the daily due to " Third Parties ''. I do not find that acceptable especially when they provide the services directly on their app. They have refused to honor the higher bonus offer I was clearly offered by the screenshots I provided them. Not to mention, no one told me prior to XXXX 's call that I shouldn't have used my card because that meant that I agreed to the lower promo. I wouldn't have used it.

Company response to consumer: Closed with non-monetary relief