vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had 3 cards with Bank of America. I closed 1 due to a recurring fraudulent charge. B of A closed all 3! I've been a customer since 'XX/XX/XXXX & always paid on time, most of the time bringing balance down to XXXX. Contacted them - they had the nerve to say I should reapply! On 1 of  the accounts, I owe $ XXXX, but since they closed it, I now owe that amount to be paid in full!

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 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/2018 i deposited roughly XXXX into an atm on XXXX XXXX XXXX, XXXX, NY XXXX the machine gave back about XXXX then told me to take my card. i then deposited XXXX into the next atm but it didnt show an initial deposit. i talked to the bank and they are saying its going to take 10-45 business days to get my money back. that is too long. I need the funds today this is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is not allowing me access to my XXXX Benefits from social security at their physical branches because they deleted my expired XXXX XXXX from their system last year in XXXX. They deleted the expired XXXX XXXX in XX/XX/XXXX because that was the only ID in my possession after my wallet ( gym bag ) was either lost or stolen. I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep scanned both in their computer system, so I thought that the bank would allow me access to my funds after answering the security questions w/ the expired XXXX XXXX. I was denied a new bankcard at the physical branch in XXXX ( XXXX ) and told that I'd initially only used my foreign passport to open the account when two forms of identification are needed to open an account if you're a resident alien w/out city or state ID. Now, in XX/XX/XXXX, after the XXXX XXXX told me to return to the bank when my renewed XXXX XXXX arrived in the mail to access my account back in XX/XX/XXXX- I'm being denied service at other physical branches w/the renewed XXXX XXXX, and being asked to provide my foreign passport as an alternative identification when that's the ID that was compromised, not the XXXX XXXX. Why are other customers only using their XXXX XXXX to access their accounts while I'm being denied this same opportunity? It's seems personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had fraudulent activity on a credit card XX/XX/2018. I used online services to report and request a fraud alert with XXXX, XXXX and Equifax. 

I reported the same information to all three agencies. However, EQUIFAX DOES NOT HAVE MY ADDRESS CORRECT IN THEIR SYSTEM. There have been no clarification requests from XXXX  and XXXX. Equifax however, keeps repeatedly sending a form letter that states " the identification you provided does not match our records. '' I spoke to an Equifax rep and her supervisor without resolution, faxed the requested verification documents without resolution and, after I received the same form letter again on XX/XX/2018, sent by certified, return receipt mail the requested documents a second time. The certified mail number was referenced in the cover letter and EQUIFAX SIGNED FOR THE CERTIFIED MAIL ON XX/XX/2018. EVEN THOUGH EQUIFAX RECEIVED THE REQUESTED INFORMATION ON XX/XX/XXXX, ON XX/XX/2018 EQUIFAX SENT ME THE VERY SAME FORM LETTER AGAIN. 

I have twice provided Equifax with the requested documents to make the correction in their system. I have had no credit inquires, do not have a mortgage on my Indiana property, do not have a car payment, have not applied/opened a new credit card, have not closed a credit card, pay all credit cards in full each month, etc. There have been no requests from any other agency, I receive bank statements, bills, etc. timely. The problem very clearly rests internally with Equifax with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Pursuant to : section 1001 ( c ) of the Internal Revenue Code ( IRC 1001 ( c ), I have contacted Caliber Home Loans, et al, to determine the gain or loss from the sale or other disposition of a term interest in property, that portion of the adjusted basis of such interest which is determined pursuant to section 1014, 1015, or 1041 ( to the extent that such adjusted basis is a portion of the entire adjusted basis of the property ), and have still not received any information. They have Bonded my note in the XXXX XXXX XXXX XXXX and have not sent me the details which I have been requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Several of my accounts at Chase were victim of ACH fraud which was first discovered on or about XX/XX/2018. On XX/XX/XXXX, I received a call from Chase criminal fraud regarding a suspicious ACH transaction. I reported that as fraud. Subsequently we discovered that multiple accounts had been attacked. In one case we know the perpetrator and have filed both local and federal complaints. 

I suggested that all accounts I had at Chase should be closed and reopened. My Chase banker told me that wasn't necessary. Subsequently, on or about XX/XX/XXXX another account was attacked and approximately $ 200K was withdrawn. Chase has investigated, accepts responsibility, and has allegedly attempted to return the funds. The failure to return the funds is the subject of this complaint. 

I have had *numerous* conversations with my Chase bankers and various escalations departments in the last month. Chase 's back office has *repeatedly* misrepresented the status of the claim to both me and my Chase bankers. These misrepresentations have ranged from whether the fraud complaint was actually filed, to whether and when cashier 's checks had been sent, to what location they had been sent and when they might arrive. 

As we sit, Chase says they have sent not one but TWO roughly $ 200K cashier 's checks to a location in another state that they will not disclose but which is not the address on my account ( about a year ago I spent several hours in person with my banker assuring the correct addresses and signatories on my accounts ). 

Now, in order to replace the funds, Chase is requiring me to sign an affidavit which among other issues has me aver that I have personal knowledge that the alleged checks were lost, provides Chase a unilateral right to require me to get a bond for the checks, and worse has me indemnifying Chase for any loss with respect to those checks. 

Chase repeatedly misrepresents what the affidavit actually says, saying that it only refers to my personal actions. 

This issue has been escalated within the branch banking structure, the customer service infrastructure, and what was referred to as the " executive escalation '' group. The last conversation was with XXXX XXXX with executive escalations who provided case number XXXX. XXXX was engaged and seemed to understand the problem. We were to have an update Friday. No update. 

As instructed, I have not attached the actual fraud complaint forms for Chase as they contain the account numbers in question. If you need them, I am more than happy to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX  is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX  that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Applied for a loan mod which my loan is a conv and investor is XXXX XXXX thru XXXX XXXX and was denied. The answer was generic stating the mod payment would go up {$100.00} a month and the felt I could not afford it although I recieved a {$200.00} a month merit increase. I feel the are wrongfully trying to foreclose to get my XXXX  equity.

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 2018-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX  from Portfolio Recovery contacted my cell phone. My spouse answered the phone and identified himself and asked whom he was speaking with and Miss XXXX tried to end the call after asking for me and being told I was not available. My husband pressed to find out who was calling and why. After being ID 'd she immediately went into FDCPA and SOL statement before identifying the company.

After interrupting, and being told she would not give the account ID or her supervisor an offer to settle or cease to call the cell phone was given. She stated she would not honor a verbal cease and desist on a cell number ( that was not authorized to be called ) and that it needed to be in writing.

Her supervisor took over the call, XXXX XXXX, and did a good job of diffusing the situation. We were unable to resolve the debt, the verbal C & D was noted, but still told had to be in writing ( on a cell # not authorized to call ).

Rude, unprofessional, wrong on not honoring C & D.

An email communication was sent on the Portfolio Recovery website for the written C & D.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 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: NJ

Complaint narrative:
Experian won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts

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 2018-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On my most recent statement ( XX/XX/2018 ), I was charged a " minimum interest charge '' of {$1.00} even though my balance subject to interest rate was {$0.00}. I tried to contact Bank of America to dispute this but was unable to find contact information except for a phone number which had a long wait.

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 2018-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After submission and verification of all the information there is no way to either file a dispute nor check on the status of a dispute. I enclosed a screenshot of TransUnion 's dispute page. I contacted TransUnion in this regard and it appears that their overseas customer service incompetent and worthless. It didn't resolved anything.

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 2018-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I receive regular emails from an entity called " ACE Cash Express '' claiming that I owe a loan installment -- see below : XXXX, We'd like to remind you that a payment of {$170.00} is due on XX/XX/2018 at the ACE Cash Express located at XXXX XXXX XXXX. 

If you have any questions, please don't hesitate to call us at XXXX. We'll be happy to help. 

Sincerely, ACE Cash Express XXXX XXXX XXXX XXXX XXXX, KS XXXX This is a fraudulent claim because I have no loan from ACE Cash Express. I've called the phone number to explain, but I continue to receive the emails. I'm concerned that this may be affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX  they have a Barclays card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts

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 2018-07-29 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: NJ

Complaint narrative:
XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with equifax they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I HAVE COMPLAINED ABOUT THIS SITUATION FOR 10 YRS IS ANYBODY LISTENING OR WILLING TO HELP. NOW THIS IS SENT TO ANOTHER COLLECTION AGENCY WHICH IS CALLING PPL HARASSMENT GIVING THEM PERSONAL INFORMATION. I DID NOT REPEAT DID NOT GO TO THE SCHOOL I DECIDE I DID NOT WANT TO ATTEND. I HAVE SAID THIS OVER AND OVER. NOW I RECEIVED A LETTER FROM THIS COMPANY ABOUT GARNISHMENT FOR WHAT. I NEED HELP OR PLEASE DIRECT ME TO SOMEONE THAT CAN RESOLVES THIS FOR GOOD. OR I WILL HAVE TO SUE THE COMPANY FOR CONTINUE HARASSMENT AND NOT LISTENING TO THE RESULTS. THANK YOU FOR YOUR HELP, XXXX HELP US AGAINST THESE COMPANIES LOOKING FOR FAMILY MEMBERS AND HARASSING SENIOR CITIZENS EVERYDAY!!!!

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 2018-07-29 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: CA

Complaint narrative:
Dear CFPB, Im writing in to complain about Experian. They refuse to delete a charge off from XXXX XXXX Account # XXXX. I've disputed this account several times and they refuse to delete this account after failing to stay in compliance with section 609 ( a ) ( 1 ) ( a ) of the Fair Credit Reporting Act. I simply asked to see verifiable Proof ( an original Consumer Contract with my Signature on it ) without sending me any original signed contract that Ive signed. 

Experian blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

Who's to say that anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response.

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 2018-07-29 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:
Equifax is reporting erroneous information regarding my XXXX XXXX XXXX account. I have been notified that one of the accounts is listed as included in bankruptcy and that is incorrect. I have disputed this info but to no avail it is coming back the same and I do not understand why this is happening time and time again. Pursuant to the law, student loans can not be included in bankruptcy unless a dire need is confirmed. None of that has happened and loans were not included in bankruptcy. This is affecting my credit standing with a new home loan. Please either correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. 

Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. 

I am told I am still liable for membership fees, irrespective of card active or non-active.

Company response to consumer: Closed with explanation