vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: CITY NATIONAL BANK
State: NY

Complaint narrative:
City National Bank continues its rein of false advertising and potentially massive identity theft. First, the Crystal Infinite card which I was approved for has not arrived. There is almost no way to get in contact with anyone regarding the card. You call the customer service center and they send you back to the bank. You call your " Relationship Manager '' at the bank - mine being XXXX at the XXXX XXXX location - and their phone is disconnected ( when I call I get a loud beeping noise ). My email today was not returned. This seems like a massive scam where they have taken your identity but nothing has been provided. They advertise that you can add authorized users but I sent " XXXX '' the extensive PII requested for authorized users last week and called customer service today and they said that no only have the cards not been mailed but " XXXX '' never even added them to the account. Now they have taken the identities of both me and my family members. The government must investigate City National Bank to determine whether there has been identity theft. Further, they are not seemingly providing the products advertised. As previously stated, my card has not arrived and my authorized users, who are supposed to get benefits, have had their information seemingly disappear into thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To Whom It May Concern : RE : CAPITAL ONE CORPORATION CARES NOTHING ABOUT THEIR CUSTOMER DUE TO DATA BREACH!!!! 

I have been a victim of online fraud based on two impersonators called XXXX XXXX and XXXX XXXX. 
It began on XXXX until now. 
I am in a financial hardship. 
My world has been exposed. I have copied my friend XXXX XXXX a XXXX XXXX who I speak to daily. 
I filed a report with the FTC-Identity department # XXXX. 
I have spoken to Capital One who recently had a data breach. They do not care about me. My credit score dropped from XXXX to XXXX in one month. 
I am a published author on : XXXX, XXXX and XXXX, and XXXX. See my links below : https : XXXX https : XXXX https : XXXX I am online XXXX XXXX with University of XXXX Arizona, to . 

Regards, Author, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-08 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring service that a delinquent account had been posted to my XXXX credit report file. 

I pulled up my credit report and saw that Amsher Collection Services had posted a delinquent account for {$180.00}, placed for collection on XX/XX/2019, originally from XXXX XXXX. 

The debt is not mine. I have never had an account with XXXX XXXX. 

I immediately disputed the account with XXXX. One week later they claimed they investigated it and validated it as accurate. 

Then on XX/XX/XXXX I mailed a Debt Validation Letter to Amsher Collection, certified mail, at the address provided in the credit report. The return receipt verifies it was received XXXX am on XX/XX/XXXX in XXXX, AL XXXX. 

It has been more than 30 days now and I have received no response from Amsher, either via email or postal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a {$2800.00} payment to Wells Fargo for a promotional balance in the amount of {$2700.00} that was to expire on XX/XX/XXXX. I also had another promotional balance of approximately $ XXXX that I had just gotten and expired in XX/XX/XXXX. Most of my payment was applied to the promotion that I had just gotten and had longer before it expired. Now I am stuck paying interest and do not have {$1800.00} to pay off the balance so that I can stop paying interest. 
The bank said I made the payment too soon and that I needed to pay it off after it expired. That makes it very difficult to avoid paying interest and provides a very small time frame to make a payment. This may be legal but is not ethical and seems very tricky. I am sure other people get stuck in a vicious debt cycle because they are not allowed to allocate their payments to the balance that they need to pay off. I do not understand why this is not allowed by banks.

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 2019-08-08 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 — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am beyond frustrated with the level of customer service I have received thus far and am pretty much convinced Equifax is making it impossible for me to login to my account and put a freeze on my credit report. 

I setup an account and logged in last week. I was informed that my request can not be completed and that a pin would need to be mailed to me. I received the letter a week later and followed the instructions. My account was confirmed and I was instructed to login. I attempted to login and received a message to call Equifax. I call the number and I'm put on hold for 30 minutes and hung up on. I call again and press 1 to request a call back. I receive a call back 30 minutes later and the person is VERY RUDE and tells me they need to transfer me to a specialist. I am hung up on again. I call back and on hold for 15 minutes. I press 1 to receive a call back and receive a message that I already requested a call back and i'm hung up on again. I tried the online chat, explained my issue and am told to call the same useless number. 

I am very frustrated and don't know how i'm supposed to access my account to freeze my credit report to protect myself from fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
This is an attempt to correct my EQUIFAX and XXXX  credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a security freeze in place with Experian. I originally put this freeze by submitting an online request on Experian 's website and was provided a PIN number to lift the freeze as needed. I recently tried lifting the freeze by submitting an online request. Even though I supplied all the information requested, I have not been able to lift the freeze on my report. The website instructs me to mail several documents to Experian. Similarly I tried to use the phone number provided by Experian and even after entering all the required information and PIN, I was instructed to mail them a hard copy of several sensitive documents. I tried both the online method and phone method several times unsuccessfully. 

The requirement to mail several sensitive documents such as copies of IDs, social security cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not making an effort to make the process easier for consumers to put/lift freezes on their credit reports and this is not acceptable.

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 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX  per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.

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 2019-08-08 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: GA

Complaint narrative:
This is an attempt to correct my XXXX and TRANSUNION credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.

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 2019-08-08 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: PA

Complaint narrative:
Equifax is refusing to block fraudulent information on my report.I 'm at my wit 's end with this.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: AES/PHEAA
State: FL

Complaint narrative:
I have a loan with FED LOAN SERV. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and FED LOAN SERV with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Since XX/XX/2019 I have been attempting to get my loan modification with Mr.Cooper. unfortunately they have continued to delay and stall all of my attempts. I will first get letters stating that they have ALL docs. Then later I need to resubmit the entire packet over again. I have been getting this same run around for now 4months. The most recent stall tactic was on the XXXX of XX/XX/2019. While my case was in underwriting, they paused it again for the 8th time. Staing now they needed a legible 1099? When 4 months ago it was acceptable!! Then prior they said the IRS form for my 1040 was never received!!! I took days off of work, just to get to the IRS to be told that the IRS did send requested Docs. I lost my day salary and to add injury to insult this FHA loan was sold to XXXX XXXX after XXXX of XXXX. Still NO MODIFICATION. THIS IS against RESPA and HUD. I also had HUD to make contact with them and I was assured that my modification would be completed. Once HUD closed my case based off of mr Cooper, they reversed everything and I am back to getting absolutely nothing done. Can you please assist me with this. I lost my second source of income and get no other funds only my job income.XXXX   mouths to feed ect. And don't want to lose my home waiting on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: WA

Complaint narrative:
On XX/XX/2019 at XXXX MST I paid the collection agency in the amount of {$100.00} for a collections debt relating to XXXX XXXX. I have received another collection letter for the same exact debt in the same exact amount. I have called various times and no one will answer my calls. I have called all numbers on the letter as well as on their website. The collections agency is Renton Collections based out of XXXX Washington.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Evening ; I been trying to reach out to capital one for a while now requesting detail documents pertaining agreement, consent, the original application, and question about the way it's reporting on my credit report from all the 3 credit bureaus. Then I get something canned as templates from them, asking me for more information. I simply asked for detail verification of this alleged debt, exercising my rights under FRCA guidelines of section 623 where it allows me as a consumer to address the furnisher directly. And then I received general templates saying that they want me to be more specific. Why can they use the 30 days window to investigate and provide me the documentation requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In early XX/XX/2019, Chase offered 0 % APR and {$0.00} fees on balance transfers for a new Chase Slate card to an existing customer. However, Chase did not disclose that no balance transfers could be done from other Chase credit cards, even though that is exactly who they sent the offer to. As a consequence, I spent time and applied for a credit card that I had no use for and had to cancel. 

On XXXX XX/XX/2019 I applied for a Chase Slate credit card. I have a Chase Freedom Unlimited credit card already and I was logged in to my account at the time. I read a message from Chase while I was lodded in. The message was that I had a special offer from Chase for a Slate credit card, with 0 % APR for 12 months on balance transfers and {$0.00} balance balance transfer fees for balance transfers completed within 60 days of opening an account. 

In the application for the Chase Slate card, it provided fields for a balance transfer option. I input my Chase Freedom Unlimited account number and the maximum allowable balance transfer of {$15000.00}, expecting to transfer most of my Chase Freedom Unlimited balance to the new Chase Slate card. My new Chase Slate card was approved for a {$5700.00} credit limit. 

On XXXX XX/XX/2019, I called Chase to ask whether my balance transfer would go through at a limit of {$5700.00}. The customer service representative said she saw no indication of a balance transfer for the Slate card. She also said she could not do a balance transfer until I physically had my card. 

I received my Chase Slate card on XXXX XX/XX/2019. On XXXX XX/XX/2019, I called Chase to inquire about my balance transfer. An automated telephone response indicated my requested transfer of {$15000.00} had been declined. I spoke to a customer service representative and asked her to initiate a balance transfer from my Chase Freedom Unlimited card. She said she could not do this. I explained why I had applied for the Chase Slate card, and requested her to cancel the Slate card if she could not transfer a balance to it. I received confirmation from her that my Chase Slate card was closed during that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Dates of Calls : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 Transcripts : This is a phone call from Monterey Please return our call today XXXX, repeats. 
This message is for " My name '' is XXXX from Monterey this matter has been turned over for your lack of response to our calls and notices It is imperative that you call us to resolve this matter phone number is XXXX xt is XXXX. 

Description of medical product : This is for a necessary medical device that inserts a XXXX of sorts into my body that disperses XXXX. Both XXXX the supplier of this product and Monterey have called me about this matter, and sometimes Monterey calls in the morning and XXXX in the evening or vice versa. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Monterey Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have tried the past 5 days to obtain my credit reports from XXXX  and Equifax, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!

Company response to consumer: Closed with explanation