vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I talked with a representative by the name XXXX to inform them they have the wrong number. I used the company answering menu which states that if they reached a wrong number to indicated so and I did. I have received XXXX calls and messages each day for over a week and it has not stopped even after informing the company that they have the wrong number. The company name is XXXX XXXX? XXXX is the number I called to have them stop calling me but I am still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There are 2 accounts reporting to Equifax which are fraudulent and I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I have no knolage of this debt therefor I'm requesting original proof of debt, due to your erroneous reporting to the Credit Bureau { s },  the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
In XX/XX/2017, I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On several occasions I have spoken with Experian and it seems that their fraud alert has begun to hold my credit hostage even from me. I have made several changes with a customer service representative only to not be helped, lied to and then told that I can not access, make changes or even update my own account information on my credit report. They have caused me to lose a financial deal as well as financing of a car even when I'd spoken with someone to make these changes and promised that it was. These people and this credit agency are scumbags.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Had a previous promo with 0 % interest that was about to expire. Thought I paid off the balance, but payment was applied to a different balance transfer that was not to expire until later in 2019. It was my understanding that the payment would be applied to the promotional balance that was to expire first. Spoke to the credit company and they would not correct the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sullivan Asset Management, LLC
State: NC

Complaint narrative:
I received a phone call XX/XX/XXXX at around XXXX from an unknown number at work and the message stated I would be served with papers for a civil claw suit against me within 72 hours if i did make arrangements to pay, and since I had not responded to a letter set to my house back in XXXX of XXXX. They person told me to call another phone number for more information. I called the phone number and was told that I was being sued for an account I had with XXXX that either had bank fees collected over time or that I over drafted and did not repay the money back. he was not sure which. but if I did not set up a payment within 72 hours I would be served to go to court and to pay the court fees along with the amount I owed of XXXX, stating that would equal up to XXXX dollars I would have to pay back. I asked for an email from the company to see what i am being charged for and still does not explain what fees or overdraft document of this bank account.The man stated i would be working with the XXXX XXXX XXXX to pay back the money but not sure who i was making payments to.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have been in contact with the mortgager, LoanCare. I had a loan modification and lost it because the XXXX took a double payment in XX/XX/XXXX causing my bank account to be overdrawn through no fault of my own. The mortgage payment bounced and I was taken out of modification. I re-applied and was denied on XX/XX/XXXX. I did not receive notification until XX/XX/XXXX. In the meantime my home was placed in foreclosure on the day of denial. 

I have been in constant contact with them. Never refusing phone calls or messages. I have since gotten a part-time job to supplement my Social Security and able to make the loan modification payments. I want to retain my home. My children grew up hare and I want to keep their place, They occasionally visit

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
card was cleared, went to use card and account was frozen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint concerning a very misleading promotional mailer sent to me by Bank of America on XX/XX/XXXX, offering the opportunity for me to consolidate my debt and transfer any balances I have to my Bank of America XXXX XXXX  XXXX '' Visa Card. The letter offered two options ; either zero percent interest until XX/XX/XXXX ; ot 1.99 % interest until XX/XX/XXXX. The letter said, " Choose the offer that's right for you. '' It seemed like a good deal, and on XX/XX/XXXX, I decided to accept the offer of zero percent interest, using a check included in the mailer to transfer a balance of {$8400.00} that was on a different credit card. 

On XX/XX/XXXX, in reviewing current charges to my XXXX   XXXX credit card statement, I noticed that in addition to the balance transfer was a separate transaction fee of {$250.00}. Not understanding what this was for, I called Bank of America on XX/XX/XXXX, and spoke with a representative, who informed me that this was a 3 % fee that that bank charges for these balance transfers. 

The mailer that prompted me to accept this offer was very misleading and deliberately attempted to hide the fact that a 3 % fee would be charged. The mailer consisted of an offer letter on page one, followed by a page two that included the checks, and details of the promotional offer. 

The main promotional offer letter made no mention of the fee. It positioned the offer as " 0 % '' interest until XX/XX/XXXX. It said nothing of the 3 % charge. In reviewing it again after the incident, I did find on page two a single line mentioning the 3 % charge, but it was buried at the end of a legal description of other terms and conditions. At the very bottom on the letter, there was a box that listed general terms, and mentions the 3 % fee, but it is not clear this fee applies to this special promotion. 

I am generally an educated consumer. It was clear to me that Bank of America sought to mislead me and others. The reality was that this wasn't a zero percent offer as advertised at all. It was a 3 % offer. 

To date, despite repeated efforts, I have not been able to get Bank of America to waive the fee, or even agree to allow me to repay the {$8400.00} and reverse the transaction, something I would be happy to do. I request your intervention to secure a refund this fee, or the opportunity to reverse the transaction completely.

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 2019-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was sent a check by a company who was hiring on XXXX. I went to cash the check assuming its real on XX/XX/2019. I didnt take out any of the money from the check as there was a chance it could have bounced which would have caused me to go into debt. A few days after, my account was frozen and closed. I had called the CHASE security team at XXXX XXXX XXXX XXXX XXXX and they had explained to me that my account was frozen because of the check being fake and it was automatically closed due to being frozen for 10 days. They had said that they will send a check for the account balance and I can just reopen another checking account. When I went to open another account, the teller had called to make sure that I was still in good standing and their department said yes. I was able to make another account on XX/XX/2019. 2 days later, my account was closed yet again by CHASE and I called yet again and they had said that CHASE has terminated the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
cards were checked when i went to use cards- cards were declined.

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 2019-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was declined credit from XXXX XXXX for erroneous reasons. My credit score is high and I have no credit problems. After receiving a denial letter I tried to get a copy of my credit report and was put in circles by Equifax to receive a copy of my credit report. 

It seems this system was designed to create a problem so the consumer would go away. 

This is unfair and the only recourse we as consumers have is you. PLEASE institute programs that provide EASY access for consumers. These credit companies are NOT consumer oriented and that needs to change PLEASE protect the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank received my mobile deposit on XX/XX/XXXX they hold ck which is fine, XX/XX/XXXX available balance check cleared, I am at Chase trying to get money from ATM and they have restricted my acct on the possibility that check will bounce I have no neg history never have had history of neg at all with them. Yet I deposited a ck and my acct is placed on hold. I spoke to 3 ppl one says check funds will be available when my acct is off restriction next guy says he can't guarantee but check will be returned tonight last guy says my funds aren't available and they haven't received check back 5 days and they show available funds but funds aren't because acct is on restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 Customer notes credit scores have significantly declined. 
XX/XX/2019 Customer pulls Experian report and finds inaccurate info XX/XX/2019 Customer contacts creditor to complain about inaccurate info XX/XX/2019 Creditor ( bank ) writes back to assure customer the accurate info was provided. 
Inaccurate info : Mortgage loan specified as only " installment. '' Term 30 specified as MONTHS. Bank advises Experian has only 2 digits for " term '' and that 30 is understood to be years, not months, and that it WAS reported as mortgage. 
XX/XX/2019 Customer calls Experian to complain, after finding web dispute facility broken for days. Experian advises dispute is only way to request correction. Customer tries in vain to explain that creditor provided correct info. Experian says we will enter the dispute and take it up with creditor. 
XX/XX/2019 Experian reports " dispute '' resolved and nothing changed. Customer confirms that Experian has FAILED and REFUSED to correct their inaccurate information. They ignore both creditor and customer and continue to leave info uncorrected.

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 2019-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I purchased a used vehicle from XXXX XXXX on XX/XX/XXXX for {$26000.00}, before agreeing to purchase the vehicle I asked the internet manager to send me all the fees that would be included in this purchase. This information was sent to me and I agreed to the purchase that included {$190.00} document fee, {$15.00} convenience fee and the appropriate state county taxes. My wife and I signed the Vehicle Order Agreement and the balanced owed states {$27000.00}, we then signed the retail installment sale contract and the Amount Financed within the " Federal Truth-In-Lending Disclosures '' states {$27000.00}. The entire purchase was financed through the dealership and Chase Auto Finance was the lending company. When I received the paperwork from Chase Financial the Principle Balance states {$27000.00}, this is {$190.00} more than the stated amount financed on the Vehicle Order Agreement and Retail Installment Sale Contract. 
When I called the finance manager XXXX at XXXX XXXX she reviewed my contract and even sent me a picture of the computer screen that showed the amount financed at {$27000.00}. When I told her the Chase paperwork states {$27000.00} ( {$190.00} higher than the agreed to {$27000.00} ) she could not give me an answer as to why there was a discrepancy so XXXX told me she would look into and get back with me. When XXXX called me back she told me the {$190.00} was a fee added onto the loan from Chase and that this was a requirement in the state of Indiana she then gave me the contact information for the area manager of Chase. I discussed the {$190.00} fee with him and heard the same thing that this is a Indiana requirement. I then called XXXX again telling her this fee was never discussed before agreeing to purchase the vehicle or at the time of signing these contacts. I was surprised to hear XXXX agreed with me and acknowledge the {$190.00} fee was not discussed and that she didn't even know of this fee from the banks until someone from XXXX told her. She agreed to discuss with management and ask for a refund of the {$190.00} fee. XXXX called me back on XX/XX/XXXX leaving a voice message stating the fee should be reimbursed from Chase and I should contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a cd with a term of 18 months. The bank renewed my cd without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. 

In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. 

Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX  has failed to pay out the XXXX gift card owed and has essentially STOLEN. On XXXX XXXX I traded my XXXX ( {$65.00} ) and XXXX  ( {$49.00} ) gift cards in trade for an XXXX gift card. They gave a 2-3 day max and did not receive payment. They have sent an automatic reply twice. How do we allow companies like this to stay in business? Hundreds of others are being scammed too per reviews.

Company response to consumer: Closed with monetary relief