vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have requested of Capital One Financial Corporation to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, presenting my concerns to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs. 
I am awaiting for Capital One Financial Corporation to rendered the monies for credits and for the security deposit towards the secured credit line in the form of a check or a deposit to my account on file. 
I am not in understanding as to what has prompted the business to remain in possession of these monies after I have requested for account closure in demonstration against the malpractice and the abuse of their account specialist when presenting my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: DC

Complaint narrative:
An account was fraudulently opened in my name with BB & T. They are aware, and yet have not closed the account. I continue to receive notifications about it. BB & T makes it nearly impossible to speak with a representative, and after hours on hold you just get told that they can not help 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 explanation
Consumer complaint received 2019-09-27 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: PR

Complaint narrative:
I have on my credit file report the following account on debt collection- HELVEY AND ASSOCIATES- Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has the following items as negative ... XXXX  XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
A companie called XXXX XXXX XXXX call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of 10 mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
claim Number XXXX. This complaint is in regard to an unautorized charge on my account. I authroized XXXX to take out 4 payments of XXXX. They took out a payment of XXXX then a pyament of XXXX which is not what I agreed to. Here is a screen shot from my XXXX account supporting my position the first payment was charged correctly but the second payment was not. XXXX XXXX XXXX changed me to out of state by mistake but XXXX keeps trying to charge me the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC
State: FL

Complaint narrative:
A companie called United debt holding call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of XXXX mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {$15.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {$50.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
LOAN # XXXX Borrower : XXXX XXXX Property Address : XXXX  XXXX XXXX XXXX XXXX WA XXXX *** This is a second lien on a property we've been trying to complete a short sale on for many months. We have secure 1st lien approval which expired as of XX/XX/XXXX and an extension is currently pending. This property was set to be foreclosed on XX/XX/XXXX however, luckily we were able to get the first lien to postpone but they almost hadnt due to this lien holder taking so long. 
I have called literally every day to follow up and have been told for 30 days now that the approval letter should be ready " tomorrow ''. Yet, it never arrives. All parties, especially the buyer is extremely upset and frustrated with these false promises. The company is receiving the net they are wanting and there are no reasonable explanations for the continuous delays.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Claim Number:XXXX File Date:XXXX Claim Type : Trip Cancellation/Interruption Claim Status : PEND Claim Details : Incident Information : Date of Cancellation/Interruption : XX/XX/2019 Country : USA State : NY Brief Description : My daughter XXXX XXXX was diagnosed with XXXX XXXX XXXX and was not able to go on the trip. The following charges should be reimbursed for her : Non refundable airline ticket from XXXX : {$510.00} Lodging : {$48.00} Tours : {$20.00} Total : {$580.00} Trip Details : Departure Date : XX/XX/2019 Return Date : XX/XX/2019 Claim Filed Against Carrier : Y Reimbursement From Carrier : Name of the Carrier : XXXX XXXX Amount From Carrier : {$510.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank, Care Credit Card, lowered my monetary limit on my care credit card. I understand the reasons, however I've always paid on this card and i've had it for almost 4 years, I think. By lowering the limit only made my balance of credit limit to what I owe on my balance higher and hurts my credit score which is what they used to determine this decision. This of course perpetuates the negative and unfair cycle. They do not take into consideration their customer 's loyalty, payment history, and other items like that to inform their decisions. I'm really dissapointed in this company for contributing to making life harder for those who apparently are trying hard to improve their situation.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX   XXXX I have never requested service with those company. This is a fraud.

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 2019-09-27 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: ERC
State: PR

Complaint narrative:
I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX ENHANCED RECOVERY COMPANY- Collection Agency Original Creditor- XXXX XXXX  I have never requested service with those company. This is a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: WI

Complaint narrative:
On XX/XX/2019, I sent the debt validation letter to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019. Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to LJ Ross Associate, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANCO POPULAR DE PUERTO RICO
State: TN

Complaint narrative:
There were multiple charges for gas stations in Florida on XX/XX/XXXX-XX/XX/11of 2019 ( probably 8-10 each XXXX to XXXX dollars ). I talked to someone on XX/XX/XXXX from the CC and was told I was not responsible for the charges and to destroy my card and was issued a new one. After a few day passed, more charges were let through. I called again and and spoke and was told that I would have to sign something and mail it back then they would investigate the charge. 

Everytime you call the #, which is the only way to contact them, you will be waiting a minimum 45 minutes. Very inconvenient with a full time job. 

I have also been charged finance charges on the fraudulent activity. 

I just wish to close my account as soon as possible, but a separate issue about a medical facility taking months to issue my refund and they apparently refuse to issue or can't cause my CC # changed has me sort of tied to my CC if I don't want to lose XXXX dollars. I tried faxing a dispute and talking to a CC rep about this and I get no where. Refuse to 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 2019-09-27 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: IN

Complaint narrative:
My loans were covered under XXXX  XXXX student loan & forgiveness act due to XXXX  mid life XXXX   resulting in XXXX civil commitment orders & doctor removed from school order forgiveness & the school & lenders refused to apply loan forgiveness law to my accounts & then deliberately provided my information to 3rd party lenders I didn't provide my consent or authorization to do so resulting in a breach of my personal data exchanged & predatory discriminatory & selective denial enforcement of legislation student loan debt XXXX XXXX forgiveness reimbursement payment process denied for competitive advantage of 3rd party debt collector to make an unconstitutional profit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

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 2019-09-27 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
On XX/XX/2019, I sent the debt validation letter to the Alliance Collection Agencies , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019.  Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: PA

Complaint narrative:
On or about XX/XX/2019, I logged onto my Experian account to find that there was information from another individual on my account. I disputed some of the items immediately. However, many of them I was unable to do so online. I contacted Experian and was transferred to ( 4 ) different people. The first person coerced me into stating that I thought I was a victim of fraud, when I was not sure what was going on. The last person had me put information onto my account that I really did not want on my account. 
I was finally told by one of the specialists that my account was merged with someone elses. I questioned how something like this happens, and the response was that the creditors reporting to the agencies gave the wrong information. I am sorry but I do not believe that is what happened. I have never had this in the past. I check my report several times a week. 
I reached out to this person that my information was merged with so that she could check her credit report. At first, she was skeptical, as she should be when someone she does not know reaches out about credit information. However, after speaking she realized that I was on the level. Now one of my accounts is on her credit report and I must jump through hoops to have it removed from her report. I also had to reach out to Experian again on XX/XX/2019, to have two address that belonged to the other person removed as they did not remove them the other day. While I was on with them, I had them remove the other information that I did not want on my account. However, they will not remove the Personal Statement Fraud Alert unless I upload documents and I tried three times and it does not work, so now I have to mail it to their Texas address and hope that it gets taken care of in a timely manner. 
I checked my XXXX and XXXX accounts and neither of them had any information that was incorrect. I pay {$26.00} a month to Experian for credit monitoring and they make a huge mistake and merge my report with someone elses. That is totally unacceptable. One would think being hacked would make them a little more cautious with pertinent information.

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 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Keep saying i dont live at property called HUD XXXX said have to be there majority of time so i only travel out 2 days and go back home 5 days, my mother says with me and only alone 2 days all my furniture, appliacnes etc there so why is denying?! Sent dispute and faxed and no response like always and already talked to HUD and i qualify! Listed house since i have equity so selling now per there letter! says wont foreclose but bank lies!

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