vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I was charged a total of four overdraft fees of XXXX each totaling XXXX On XX/XX/XXXX I was charged an additional charge of XXXX totaling XXXX Capital one 360 bank charged me a total of XXXX $ charges on my account when I would consistently check my app before placing a charge, I escalated this issue several times and the company has denied taking off some of these fees because they are highly excessive. The app would be deceitful and show a available balance and than the next day show a negative balance. I had to pay a total of XXXX XXXX I need some assistance and someone to investigate into this case. 

I escalated this to every department available at Capital One 360 and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: AZ

Complaint narrative:
The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit inquiry and credit card account is valid and do belong to me. The XXXX XXXX and XXXX XXXX  XXXX XXXX credit inquiry is mine and do belong to me. I gave authorization to XXXX XXXX and XXXX to pull and access my Experian and XXXX credit report.

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 2018-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please 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 explanation
Consumer complaint received 2018-03-18 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
A few years ago- I applied for a Care Credit Card. I do not dispute the fact that I used the services, however it appears that no matter how much I pay per month my balance neber goes down. The terms of this agreement was never made clear to me at the time I applied for this card. My history indicates payments made but it also indicates it is never enough. Not even when I make payments of {$300.00} a month. I was recently told that I had late fees when I am actually paying before the due date of the XXXX and it still appears that the money doesn't apply for that month. This Company is a loan shark and today I was told I am paying at least {$97.00} a month just for interest. And have been charged this amount for quite some time. At this rate I can never pay this card off. I haven't used this card in nearly 2 years, been making payments and still habe a Balance of nearly {$4500.00} and never even used this much in services. I nerd assistance in settling and closing this account once and for all. This is unbelievable and causes nothing more than total stress to the person possessing this Care Credit Card. The way this Company operates is not made clear when the application is completed.

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 2018-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
On XX/XX/XXXX I received notice from XXXX  that a derogatory XXXX was places on my XXXX and XXXX reports from XXXX XXXX XXXX for a payday loan from XX/XX/XXXX in the amount of {$460.00}. I have never received any communication from this company and I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Service Inc. repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: CO

Complaint narrative:
My identity was stolen twice during the past few years. I have opted out of receiving any pre-Approved solicitations for credit. Chase continues to send me solicitations that included pre printed checks that can easily taken from my mail box. 

I spoke with Chase today and asked them to stop sending me these solicitations, especially the ones with pre printed checks with a credit limit of {$15000.00}. I was transferred five times and each department said they had to transfer me to another department. 

On the last transfer, I asked to speak with manager. XXXX came on the line and said she would have to transfer me for the sixth time. During the 35 minutes on hold, I was able to find the cfpb site and fill out this form. XXXX refused to give me contact information so the cfpb can follow up with her. 

I have also repeatedly asked them to stop calling me to offer their promotional vacations and they have continued to call me for the past five years. 

I have formally opted out of all solicitations and Chase continues to send them. Please have Chase and their affiliates remove me from all solicitations. Thank you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to early warning services, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by early warning services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
OnXX/XX/XXXX I sent a certified letter to Credit Service Company , Inc. ( delivered on XX/XX/XXXX ) requesting that they validate a debt they are reporting to the three credit bureaus under my name. I received a letter back from the company datedXX/XX/XXXX stating they completed their investigation and determined the information in their records was correct and they have continued collection efforts. They attached a copy of a medical bill with all of my personal information on it including full name, address, phone number. The letter also included the service date, procedure codes, description, charges, balance, Physician name and the diagnosis codes. This is a HIPPA violation and they should not be in possession of any of this information.

I sent them a reply by certified mail on XX/XX/XXXX( delivered on XX/XX/XXXX @  XXXX ) letting them know that they had violated my rights under the HIPPA law and requested that they delete the information they had provided to any and all credit bureaus, destroy any information about any alleged account and not proceed to sell, assign, transfer or trade the alleged account to any other entity to attempt to collect the debt. I received a second letter from Credit Service Company , Inc dated XX/XX/XXXX stating the exact same thing as listed above with the same bill attached. They are clearly not taking my complaint seriously. I will continue to pursue this issue and will file complaints with the XXXX if necessary. The account they are reporting to the three agencies needs to be removed immediately as requested in my letters directly to them.

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 2018-03-18 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: NV

Complaint narrative:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, 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 non-monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: IL

Complaint narrative:
Franklin American decided to do a maintenance upgrade during the repayment window they give you to not be late. I tried to make the payment but the online and phone system was offline which did not allow me or other borrowers to have the full window to make the payment. I sent an email request to have the late fee removed but they did not. 

Maybe this was an oversight on their part but this is almost like the XXXX issue when the payments were delayed to increase interest or cause late fees. I might be one of thousands that have a mortgage with Franklin America that experienced the same issue when they took down there system down during the allowed repayment time.

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 2018-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to XXXX XXXX XXXX, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by 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 2018-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, 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 non-monetary relief
Consumer complaint received 2018-03-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is attempting to dictate what rules are allowed/disallowed by means of communication over phone calls. 

See below : Federal law permits recording telephone calls and in-person conversations with the consent of at least one of the parties. See 18 U.S.C. 2511 ( 2 ) ( d ). This is called a " one-party consent '' law. 

American Express is not mutually agreeing to recorded phone conversations on the borrower 's end. Please keep in mind that Federal Wiretapping laws permit mutual recordings if 1 party claims to be recording a conversation. Right away, I can already submit documented accounts of American Express representatives not giving consent when in reality, they lose their right to non-consensual phone recordings from the opposing party if they, themselves initiate the recording as part of their company policies. I'm quite surprised that American Express maintains non-consensual recording from their end when this is a very common law in the United States. If American Express wishes to continue alerting its members of non-consensual recordings from the member 's end, then, I believe they lose their right to continue advising members that they are going to record the conversations going forward and should be forced to cease all recordings from that point. 

American Express continues to flourish in its countless incompetence, and it's really quite appalling that this Credit Card company is masked in the illusion of no wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0.  One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on 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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a credit report dated XX/XX/XXXX. I disputed a bankruptcy on my Equifax Credit Report. I noticed that they did not add the sentence that this item was disputed by the consumer. As soon as I complained about the missing information on that dispute. Equifax sent me a new credit report backdated XX/XX/XXXX. On that report they backdated it with the up to date information. Showing that they had added the information in enough time. This backdated report had an up to date confirmation number. Equifax has committed fraud for changing information by backdating the Credit Report to show that they had put the information on the credit report in enough time. They also stated that they had an up date from XXXX XXXX, this also is incorrect. I opted out of there system in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. 

I disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : " Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. 

Regardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since " it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless " i can prove that I returned the item ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

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