vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Original purchase amount in XX/XX/XXXX was {$8500.00}. 
Car was repossessed in XX/XX/XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Recently, after analyzing our travel pattern, I feel that we will benefit from both Amex XXXX XXXX and Amex XXXX XXXX. So I applied for both. 

I was content when the pop up appeared and told me that I was not eligible for the XXXX welcome bonus points because I already have a XXXX XXXX Card. 

However, when I applied for the XXXX XXXX XXXX, I got the same ineligibility pop up. There was no specific reason offered. I aborted the application at that time because it seemed unfair to me. I have never had a XXXX XXXX card, and I never received any kind of bonus offer with the Amex XXXX XXXX I had ( it has since then been cancelled ). Of all the conditions I read, I should have qualified for the XXXX bonus points advertised. 

I then contacted Amex. After hours of on the phone and speaking to 3 customer representatives, I was not able to get a straight answer as to why. One of them filed a complaint with Amex on my behave and told me they will contact you if they feel necessary. I was not contacted. I got all kinds of replies, some was made up ( i found out later ). But one thing in common is that they all agree that they dont understand why and that the decision was generated by a computer ( huh??? ).  And also that I have no one to talk to at that point and just have to take it. 

I am a XXXX and a responsible spender with excellent credit score. And above all, I have been with Amex since 2008, and this is how they treat their customers???!!! This is unacceptable to me and is false/misleading advertising.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax has XXXX as a negative?

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have applied for a Credit Limit Increase 9 times, since I have been a customer of Capital One. Every time I have been denied. I requested an increase and been denied, when my credit score has improved tremendously compared to my scores when I was originally approved. I have compared my situation with other personal friends, and feel that I am a victim of Credit Discrimination. I have called Customer Service and asked to speak to the Credit Department, and was told that was not possible. I spoke to a Senior Representative instead. Although the Representative did understand my frustration, I was still told that there was no way to talk to the department who handles this issue. I believe that my payment history warrants an overdue credit limit Increase, as well as my credit score.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account was charged overdraft fees in the amount of approximately {$200.00} total. I should have not been charged fees because I had enough funds available for the transactions that were made. I emailed them 3 days ago when my account became negative approximately {$100.00} and was told that I had pending transactions that had not been taken out however there were no transactions that showed pending. All of my pending transactions always shows and those funds are always held. On yesterday morning my account was overdrawn approximately another {$100.00} for the exact same transactions. When I called I was told that there were pending transactions that showed in the background that they only could see which caused my account to overdraft. She also stated that I could not have known that because I couldnt see it so technically the transactions that I made would have been covered but since I couldnt see the other pending transactions it caused my account to overdraft. The rep refunded approximately {$100.00} due to the situation and because my account is not regularly overdrawn but did refund the remaining approximate fees of {$100.00}.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX, a credit report was run using my name and old address I left in XXXX to move to my current address. A cell phone was purchased at XXXX for approximately {$980.00}. The bill was not paid and since my old address was used, I did not receive any notices of delinquency. Started to receive debt collection calls from various collectors. I ran my credit report and noted the negative item of the unpaid XXXX bill. I disputed the bill with the Bureau 's and XXXX itself and after an investigation, XXXX determined I was not responsible for the charges on the account and sent me a letter from their Fraud department to that effect. XXXX said they had notified the Credit Bureau 's to remove the item but after 6 months the item was still there. I contacted XXXX again and asked that they again notify the Credit Bureau 's to remove the item. 6 months later, the item was still on all three Credit Bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I co-signed on a title loan with my nice and began making payments on a {$2500.00} loan. I am an XXXX XXXX veteran he finds himself in the hospital regularly. I took the loan out so that my niece who has my primary caregiver and I could relocate to a different area. I spent the first two and a half months in our new home in and out of the hospital. When things finally settle down I noticed a charge on my bank statement that I was unfamiliar with. It might have gone unnoticed by my niece because she was not familiar with my bank statement nor was she responsible. But automatic deduction for the car payment on my statement and right next to it was another electronic cash check for the same amount and if you were not really paying attention you would just think it was the same charge. you wouldn't realize that it was two separate charges. I immediately contacted my bank and attempted to contact the company that claims that I have a loan. They are check n go I also contacted fast auto loans where I actually did take a loan out so verify that that was not a sister company or parent company and that they were mistakenly double charging me and I was able to verify that they are not affiliated with that company at all. My bank, XXXX XXXX, found it to be fraud. But only reimbursed me 2 payments.I was in and out of the hospital for 12 weeks. My focus was on living. I am on a fixed income and I could really appreciate my money back. They stole it from me. Please help me

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has a terrible hold on my credit and I can not get my real credit report. I have been getting different Equifax credit reports from monitoring and I want to be compensated for paying for a service that I am not getting. I pay {$20.00} a month and can not get my right copies of my credit report even with paying them and I have lost so much money due to this and it is creating many problems with me trying to qualify for a mortgage. Equifax is releasing information to third parties that is has yet to release to me and I need to get an attorney involved ASAP if this can not be resolved. 

I was on the phone for hours yesterday with two associates that could not figure out what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I received a Collection letter from the Collection Bureau of Hudson Valley , Inc. ( CBHV ). The collection letter states that I owe XXXX XXXX XXXX   a past due amount of {$70.00}. On XX/XX/XXXX I called XXXX billing department and spoke with Mr. XXXX. I told the billing person of the Collection letter.  After reviewing my current account bill and my previous account at my XXXX, NY. Mr. XXXX said all my bills are {$0.00} ( XXXX ) and I DO NOT have any past due amounts to be paid to XXXX. I then called the collection CBHV agency at XXXX and told the woman rep ( XXXX ) that I just spoke to XXXX billing and the billing person said I do not owe any past amounts to XXXX. XXXX told me that XXXX opened the collection process against me. I told XXXX that I never received a past due letter that I owed a past due amount of {$70.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
My first notification of being in collections was from a company called XXXX. I called XXXX XXXX after applying for an apartment and getting denied. This is when I found out it was in collections. The collections company is National Credit Systems. The issue is I have nothing in writing prior to the XXXX. They acquired my account on XX/XX/XXXX and claims to have mailed a letter to me. I do not have one and never received one. I have paid the balance but it is not reflected on the account not have I received a receipt. My credit card reflects the payment but nothing from them. The rep XXXX who " assisted '' me got very personal. She is offended if you ask a question, if you are intelligent, if you don't like how she is yelling at you, etc. She kept putting me on hold and asking about the other person on my rental application. How is it they have my rental application with non pertinent collection info on it???? I'm concerned about my data. I think they are holding my payment because of her attitude towards me. The supervisor XXXX was not helpful in correcting the behavior. I paid them more than 24-48 hours ago as of this complaint and still no receipt. The online account does not show the payment either. Have I been scammed. XXXX is no help, unaccountable and fake collections people there.

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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
An elderly XXXX man who did yard work for me for years and was the helper of a deceased man who did home improvements for me has asked me for money and I have granted him the money because he is a friend. After paying exorbitant fees to XXXX, along with XXXX  XXXX XXXX 's additional fees because these are " cash '' transactions, I decided to revise the man 's checking account with Wells Fargo to include me so that I could quickly move cash into his ( and now my XXXX Wells Fargo checking account. Normally these transactions take 3 business days. The XXXX man, whose deceased wife handled the family financial transactions, was always low on available funds for rent and food. The joint account was established in XX/XX/2019. Months of small grants from me to him proceeded smoothly. I never withdrew money from his account. All deposits were electronic. No checks. In a conversation with my financial adviser she said the arrangement was stupid since I am retired and plan to live a very long time. I closed a separate checking account that I opened at the same time as the aforementioned joint account. I told the XXXX man that I was no longer going to be able to help him. Beginning XX/XX/2019, person or persons unknown deposited fraudulent checks totaling {$21000.00}. Wells Fargo did not wait for the checks to clear. Wells Fargo happily handed cash to whoever was depositing the checks. I reported this several times to the financial institution. They refused to remove me from the joint account without the XXXX man being present at the branch. He was, at the time, in the hospital. Today I received a letter from Wells Fargo threatening to ruin my credit rating if I, personally, did not pay {$21000.00} to Wells Fargo. They also intend to close the joint account effective XX/XX/2019. Wells Fargo could have but did not use due diligence with these multiple checks that turned out to be fraudulent. I have retained counsel.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My wife and I were defrauded by a hotel that was advertised by American Express Travel as a 4 star hotel. It was a dirty, unventilated room and the hotel had no food. We have tried to resolve this with American Express and American Express Travel by disputing the charge twice. We have photos of the room and an explanation of the conditions. 
The hotel charge was {$300.00} for one night on XX/XX/2019 in XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Late XX/XX/2019 Requested via phone to transfer payment from an existing payment account to a different account ( joint account shared with myself and my husband ). Received letter on XX/XX/2019 from Chase that automatic payments for the old account had been canceled and new autopay could be set up again in a few days.

XX/XX/2019 Submitted payment online using new bank account.

XX/XX/2019 Payment was rejected.

XX/XX/2019 Made payment via phone, confirmation # XXXX. Explained during this call that the rejection issue was on Chases side and that I had received nothing from my bank ( XXXX XXXX XXXX XXXX ) indicating that a draft had been attempted and rejected. 

XX/XX/2019 Payment was rejected.

XX/XX/2019 Called pay from bank ( XXXX XXXX XXXX XXXX ), they confirmed that no draft had been attempted by Chase. 

XX/XX/2019 Made payment via phone with old account. Confirmation # XXXX XX/XX/2019 Submitted payment online using new bank account.XX/XX/2019 Payment was rejected.

XX/XX/2019 Called Chase inquiring why payment was rejected again. Again, I explained that the problem was not with my bank, XXXX XXXX. Was told that they would look into and call me back. 

XX/XX/2019 Chase called when I was unavailable.

XX/XX/2019 Called Chase asking for update on case. Was told person managing was unavailable and that I would be contacted with information regarding a call review Told that the person managing the case would call me back on XX/XX/2019 between XXXX CDT. 

XX/XX/2019 Chase called me back at XXXX when I was unavailable.

XX/XX/2019 Called Chase asking for an update on case. Was told that the problem ( dating back to XX/XX/2019 ) was the result of an agent error they didnt enter the checking account number correctly - 9 digits instead of 10 - and therefore it was rejected. I reminded them that I had called AND submitted payment online several times AND had confirmed the account number with various people at Chase, in total at least 6 times over the course of the last two months. Provided account information for XX/XX/XXXX payment and was told it would post within 48 hours. Confirmation # XXXX. Asked what Chase planned to do to compensate me for my time. After being put on hold, was told that Chase would waive the late fees for XX/XX/2019. Informed them that this was insulting given the issue was caused by them.

XX/XX/2019 Payment appears to have posted. Late fee assessed onXX/XX/2019 remains.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, Experian and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XXXX XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from Experian and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from Experian and XXXX  ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, 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 non-monetary relief