vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alpine Credit, Inc
State: UT

Complaint narrative:
Alpine Credit {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: IL

Complaint narrative:
Recent  Netspend Account closure : I have had a Netspend account for the last few years. Recently, while going through my transaction history, I noticed a few unauthorized transactions. I contacted Netspend and filed a dispute. Netspend  conducted an investigation and ruled in my favor and returned the funds. However, no sooner than they refunded the money, they closed out my entire account, without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: NJ

Complaint narrative:
re :  XXXX  How can u closed this complaint when is  OBVIOUSLY  not resolved?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tate and Kirlin Assoc
State: UT

Complaint narrative:
XXXX   XXXX   {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My ex spouse ( respondent  )  attorney  XXXX   XXXX   XXXX  subpoena my business bank account statements on  XXXX   XXXX ,  XXXX , due to be produced on  XXXX   XXXX ,  XXXX , at her law office. My attorney  ( petitioner )  filed a motion to Quash the ordered on  XXXX / XXXX / XXXX , the motion was heard by  XXXX   XXXX   XXXX  on  XXXX ,  XXXX  in dept  XXXX . My motion to quash was denied and a protective order was granted filed in court on  XXXX   XXXX ,  XXXX . Respondent attorney sent to Chase on  XXXX   XXXX ,  XXXX  a copy of the order with the decision not to quash along with the subpoena dated  XXXX   XXXX ,  XXXX , with documents due back to the law office by  XXXX   XXXX ,  XXXX . Chase rejected the subpoena as the due date for documents to be received preceded the delivery date by 5 months.   Respondent Attorney issued another subpoena dated  XXXX   XXXX ,  XXXX  with a due date for documents to be received by  XXXX   XXXX ,  XXXX .  Petitioner ' s attorney filed a motion to quash on  XXXX   XXXX ,  XXXX , which was served on Chase and to be heard by  XXXX   XXXX   XXXX . Respondent attorney after receiving the motion quash informed Petitioners attorney that she had withdrawn her request for the subpoenas served, dated  XXXX   XXXX ,  XXXX .  Chase  released  Business  Bank statements on  XXXX   XXXX  without a valid subpoena and against their own objection to the subpoena dated  XXXX   XXXX ,  XXXX . This bank statements were presented in court by the respondent on  XXXX   XXXX ,  XXXX  who is currently representing himself in pro per. Because of the unauthorized release of the business statements by  Chase,  this has caused me to expend additional legal cost beginning with a motion in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
This is in regard to my previous complaint,  XXXX . Following an entirely unsatisfactory response from the company, your agency has closed the complaint. When I tried your link to give feedback directly, the link was broken.     I repeat that it is unethical for this or any company to ask for a credit card number as a security measure. Furthermore my complaint that their own phone complaint system was flawed and contained further scams was not addressed.     In addition the CFPB must fix the link to enable feedback about any proposed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL website.

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 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Greetings, I am writing to complain about Chase Bank continuing to proce ss Amazon.com Visa signature  credit card applications and continues to make hard credit inquiries (  XXXX   XXXX ,  XXXX  ).   I DID NOT AUTHORIZE THIS APPLICATION, VERIFY INFORMATION OR A REQUEST FOR A HARD CREDIT INQUIRY.     Chase bank has also failed to remove hard credit checks to my credit report, as per their written statements to CFPB Case number :  XXXX  dated  XXXX  " C hase Bank USA, N.A. s aid : We mailed you the enclosed letter dated  XXXX   XXXX ,  XXXX , advising you the previous applications were marked as " Fraudulent. '' The most recent application was submitted on  XXXX   XXXX ,  XXXX , using information that verified to you. The application was not immediately approved and we sent the letter dated  XXXX   XXXX ,  XXXX , to verify if the application was submitted by you. You notified us the application was not submitted by you on  XXXX   XXXX ,  XXXX . We 've marked the application as " Fraudulent. '' We have again asked the credit-reporting agencies to remove the credit inquiry from your credit report. Allow sufficient time for the updates, and then request a new copy of your credit report. ".      One would have thought after numerous phone calls, letters, and two  formal complaints to the CFPB, Chase Bank would have figured out I do n't want their credit card.   CFPB case #  XXXX  CFPB case #  XXXX  One would be wrong.     To resolve this matter, Chase Bank needs to :   1. Provide written proof I applied for the credit card.
2. Mark the credit card application as fraudulent.
3. Remove ALL hard credit inquires from my credit report, as per their written statement to the CFPB.
4. Explain in writing why on Earth   Chase Bank would continue to even consider approving a credit card application or make hard credit checks after two formal complaint to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

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 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Silver Cloud Financial, Inc
State: IL

Complaint narrative:
I had a bad check cashed on my checking account, as a result, my bank blocked my account. I opened a new checking account, but I felt uncomfortable giving my account and routing number to  Silver Cloud Financial.  I called to make another way to pay them, but they wanted my ACH number. They would not offer sensible alternatives, they said i could mail them a money order, and I said that was too inconvenient They said Bank  of America  card would not process their payments, finally they suggested a prepaid card   XXXX   XXXX  . After getting the card, I called to make the payment. After speaking to  XXXX  and  XXXX , who both said I could use the   XXXX   XXXX   XXXX  , when I called to make the payment, they gave me the run around. They bounced me from  XXXX , to  XXXX , back to  XXXX , and finally,  XXXX  who finally processed the payment.  XXXX  took the payment but hung up and would not confirm that the payment was received. After calling back several times,  XXXX , said the payment was received and said my next payment is due on the   XXXX   XXXX   XXXX   XXXX  . I want to pay this loan off with no additional charges except the  XXXX  they say I still owe, My original loan was for {$500.00}. I have paid them  XXXX  so far. I usually would pay them in less than 30 days, but due to a financial emergency I could n't pay, so I agreed to payments. I did know the charges were so outrageous as they are..

Company response to consumer: Untimely response
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to   XXXX   XXXX   in  XXXX  and at that time I took out loans totaling around {$45000.00}, for school tuition and living expenses.  XXXX   XXXX  was a  XXXX  hour school and they discouraged you from working while in school and also made it nearly impossible with a schedule that changed monthly and held classes at all hours of the day. They were preparing us for the real world environment. It is now  XXXX  and I owe {$59000.00}! I also just paid off the {$6000.00} balance of  one  of my loans this past  XXXX  that had  % 15 interest!  I have only ever misse d 3 payments , I pay my monthly balance due.     All of this was for an  XXXX   XXXX  in   XXXX   XXXX    that is completely useless.     I was technically successful! I worked in   XXXX   XXXX  , on   XXXX   XXXX   projects with world famous artists. I managed a   XXXX   XXXX   XXXX   in  XXXX  for 6 years! But no matter what I did in the industry I could never make enough money to pay the loan off, just enough to pay the monthly payment, which mostly goes to interest.     I think it is ridiculous that I was able to to take a loan out for that much money to enter an industry that does not have the jobs to support the amount of graduates entering it. Add to that, the jobs that are available are not paying enough to pay off the school tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

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 2017-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On  XXXX / XXXX /  XXXX   I was on the phone wi th Wells Fargo for ove r an hour ; no one has the " power '' to fix the issue. Got the furthest with  XXXX   XXXX  who said no one could refund more than one late fee and he was the highest person I could speak with.     To summarize the issue, on  XXXX / XXXX /  XXXX   I logged into  Wells Fargo Dealer Serv ices website to catch the auto loan up. At this time it said the balance due was {$250.00} on  XXXX / XXXX /  XXXX  , I made this payment at that moment, and scheduled automatic payments starting on  XXXX / XXXX /  XXXX  . Unfortunately, the amount due was not actually {$250.00} and an additional {$240.00} was due. I understand that at this time, but the website to this day displays incorrect information indicating that the loan is not behind a payment.

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 2017-04-29 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: DISCOVER BANK
State: GA

Complaint narrative:
I have been using  Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called   XXXX   and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called  Discover , I spoke with a supervisor named  XXXX  who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one  available and that one would be there at   XXXX   XXXX   eastern standard time. That was at   XXXX   XXXX  . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is   XXXX   XXXX   and I have still not received a call yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps placing unauthorized information on my credit report. A few weeks ago I had to file another CFPB complaint because Equifax refused to correct their errors.     In response to that recent CFPB complaint Equifax sent me a copy of my credit report that shows : ALERT  ( S )  : File Blocked For Promotional Purposes However on  XXXX / XXXX /  XXXX    XXXX  I visited outoutprescreen.com and elected to opt IN to be able to receive preapproved credit and insurance offers.     Furthermore I do not recall ever seeing this message on my Equifax credit report, therefore it is something they have recently added.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I paid off a collection account with  Cavalry Portfolio  for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,

Company response to consumer: Closed with explanation