vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went through my statements and went through the process of reconciling my statements with the receipts I had and I noticed there were charges that I did not authorize. After identifying all of the purchases I did make and filtering out the ones I didn't make I called my credit card company on XX/XX/2019. The process of reporting was straightforward, however I did get some push-back as to not to call transactions fraud but to dispute them. I told the woman on the phone that: no, these are not disputes and they are fraud since I did not authorize them. When everything was finished the representative finished the process and I saw the credits on my next bill, I had to call back to report some she did not include or did not show until the next statement. On XX/XX/2019 a letter was generated and sent to me saying that all the charges I reported I benefited from. I thought that this was ridiculous and I called right away to have the case researched thoroughly and for a second time and I asked them to contact me with any questions and or to please provide me with any documentation they could bring up so that I may dispute if necessary. I received nothing and I thought all went in my favor. Then on XX/XX/2019 a new letter was generated and said that I still benefited from the fraud. I called again to get answers and all I received was: that a representative researched the claim and that they will not move forward with another evaluation unless I can provide documentation such as a police report, which is impossible as I did not live in the country in where most of the fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXXIn XX/XX/XXXX my husband and I went to the sears store to purchase a refrigerator and we wanted to use our current citicard to make to the purchase. BUT the sears sales person insist that if we apply for a sears card there will be no interest charged for the full purchase $XXXX (the total charge for the fridge), and we would just make our monthly minimum payment.I setup bill pay on my bank account because I travel a lot and do not want to miss my payment.OnXX/XX/XXXX after returning from my travel, I received a sears bill in the mail. I opened it and noticed the there was interest charged. So I called immediately and spoke to Mr.  XXXX  about the situation. He explained that not only was I charged for the last two months but I was also charged differed interest for the last years totaling XXXX  interests that are added to my total balance. I WAS VERY DISAPPOINTED BUT he could do nothing to resolve the situation.So I was transferred to supervisor XXXX  (ID XXXX). But he refused to acknowledge that the sales rep did not disclosed all the facts and refused to reverse the interest charges.on XX/XX/XXXX  I spoke to ACCOUNT managers MISS XXXX  MISS XXXX,  MISS XXXX   Miss XXXX  and other customer service Mr. XXXX, Mr. XXXX and all of them refused to address the matter and resolved the issues. SEARS SALES REP LIED TO US This sears citi card company are cheating the American people by not disclosing all the fact and are lying to their customers to get them to sign up for their store credit card(claiming there is no interest charge for the total  purchase but later start charging interest). This is their CHEATING SCHEME.  Cfpb PLEASE HELP STOP THIS CHEATING. THANK YOUSincerelyXXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
Midwest Recovery has called from several different numbers using an automated system. The number is never the same and is from different area codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
My criminal background check is returning information from 2007. State of Texas law dictates 3rd party agencies cannot report criminal background information older than 7 years.  They have sent my information to an employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: IL

Complaint narrative:
This is an addendum to Complaint # XXXX.in regards to new information discovered on XX/XX/2019. I received a voicemail from XXXX XXXX  of VW Credit in regards to my receipt of an email dated XX/XX/2019 that VW Credit has reported, yet again, that my XXXX  payment has not been made. Volkswagen of America was to have made my XX/XX/XXXX car payment on XX/XX/2019 and was told that the process had been started to remove the lack of payment from my credit report. Today, XX/XX/2019 through voicemail left by Ms. XXXX, I was told that  the check Volkswagen of America sent to VW Credit had a stop payment on it. I was also told that an electronic payment was made on XX/XX/2019. Why was a stop payment placed on the check? Volkswagen treats a long standing customer with indignity. I am the one whose credit is affected. I am the one who is being played with. Well, this is not a game and Volkswagen ought to be ashamed treating me this way after 22 years as a customer. I wish to rid myself of my relationship with Volkswagen and will take steps to do just that. Both VW Credit and Volkswagen of America have cheated me enough. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
Had major flood In The home. Insurance company paid out $XXXX to me and XXXX XXXX XXXX. XXXX sold mortgage to Flagstar Bank. I paid for all repairs to be done in my home. Sent proof of this to all banks involved. Requested that they refund all money to me as all work has been completed Or take the funds and apply to mortgage payments as I fell behind in mortgage payments.Neither was done. Flagstar has now foreclosure on my home and the house will be auctioned off on XX/XX/2019.  Flagstar still refuses to forward to me the $XXXX   and insist on requesting an inspection and more documents to be sent 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 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I have sent a formal request for this company to cease and desist contacting me by phone per the FDCPA. They continue to call me and my wife.I have asked for a formal debt validation and all I received was a letter that said "send payment in full today." That's it.Not only was this letter not the validation I requested but it was also from Mr XXXX XXXX whom was very abusive to my wife over the phone when she was trying to figure what the debt was on her credit report because it is not hers, the debt it is apparently mine.There was no contract for either of us. We had full coverage insurance and all deductibles and coinsurances were met for that year so that's why I have continued to ask for a debt validation.Cease and desist letters as well as debt validation requests have all been ignored.After filing a complaint the very abusive Mr XXXX XXXX called and proceeded to act very unprofessional towards my spouse. And has now sent a collection letter with some sort of demand without any explanation.

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 2019-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I sent Equifax to verify accounts that I had questions about and provide me with the method of verification that would prove that they actually investigated the problem. I requested to recieve any findings to this dispute in writing.  On XX/XX/2019 I called Equifax  out of concern that the dispute had went passed the statute of 30 day and requested the information in dispute be deleted due to law saying that they only have 30 days to  verify a dispute  or the information in question must be deleted.  The representative refused to acknowledge the law and kept saying she will provide me with a explanation of the dispute on 10 days. I inform her it was pass the 30 days and would like the information deleted immediately.  She refused so I ask for her identifying information to prove that I called. Instead of providing me with the information the rep hung up in my face. I do have a recording of the conversation if Equifax would like to here and i have information showing as of XX/XX/2019 some of the information that was disputed is still in dispute which is well pass the 30 days in which I will attach to this complaint.  I have used Consumer finance protection bureau to keep up with my complaint s and history show that every recent dispute expanded pass 30 days and Equifax continues to report the information that is in question. The Public record is still in investigation and I  also have that attached to show its been over 30 days and I have not received a final answer within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There is no date, the company shut down my account for no reason specific , and is threatening to report me  from opening other accounts

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 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
Because of their hard inquiry on my credit, I've been denied a loan specifically citing this company as the reason why i was denied. the new company refuses to reconsider the application without proof. They want the official letter of denial from them. the letter is listed on their website, but gives no way to download or printer said form. The new company will now take any other form of the form besides the official PDF. so i can't copy and paste, i cant take a screenshot. the company insists there is a way to download on their site. I work in XXXX  and i can promise you their site does not have a way to download the form. and they are refusing to be of any further assistance.

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Nationwide Debt Reduction Services, LLC
State: PA

Complaint narrative:
I have been trying to cancel my service with nationwide debt reduction services for the past week. Every time I call in to cancel they won't provide a direct phone # for the cancellation department. They say they can only transfer me directly and than the phone disconnects. They force me to leave messages that are never returned. I am being sued by a credit card company because of nationwide debt reduction services. I just want to cancel the service and they are making it almost impossible for me cancel this service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 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: IL

Complaint narrative:
It's not my account, i never applied for it. I never had contracts or agreements with this company, I never sign anything.

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 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX  account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX   account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX  would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
NAVIENT has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XXXX 2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX team, which is a direct team of NAVIENT contact number is XXXX. This team advised their records show paid off date as ofXX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the NAVIENT lawsuit and all payment request from NAVIENT are to cease. This call was received after the accounts were paid through the law firm that NAVIENT obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to XXXX  as well as all the other credit bureaus is affecting my credit. I have contacted XXXX on serval occasions asking them to update the information and they refuse to because NAVIENT is failing to update XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: GA

Complaint narrative:
There are 2 Fraudulently reporting XXXX XXXX  accounts showing on my Equifax Report with balances of $XXXX and $XXXX; There is also an unknown fraudulent account with a balance of $XXXX that was opened on XX/XX/2015 showing on my Equifax Report; and there is a fraudulent XXXX XXXX account showing on Equifax with balance of $XXXX. Please assist me in getting this account removed from my credit report. It does not belong to me.Also there many inquiries showing on my Equifax Credit report that was not authorized by me. Please remove the following inquiries:XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2019 I called Bank of America to inquire about balance transfer offers because my online account page said I needed to contact them to provide more information on my account. After providing the information requested, they responded by lowering the credit limits on the two cards I have with BofA by over $4,000, or basically all of my available credit. The reasoning was that the amount owed on one or more of my cards was too high. One card was at about 50% of the limit, while the other was near 70% of the limit. When I asked what an appropriate debt to limit percentage was, to avoid this issue in the future, they said they were not able to share that with me, and that there was nothing they could do about the credit limit decrease. My feeling is that the real issue is that I have used low or 0% balance transfer offers to keep my interest rates low on my accounts. BofA has increased my credit limit and even offered me a new card in the last few years, and continued to extend 0% balance transfer offers up until XX/XX/2019. It seems they view me as a credit risk because I keep a low interest rate. By lowering my credit limit they have now increased my debt to credit limit ratio, which will negatively effect my credit score until it is paid off. My interest rate on the debt I carry with them will now rise from nearly 0% to over 25%. This is absolutely predatory lending. If they didn't want me to use the 0% balance transfer offers, don't extend them to me, but lowering my credit limits seems counterintuitive to the reason they gave me for why they were lowering them in the first place.

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 2019-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Transunion to report and dispute unauthorized inquiries on my credit report their agent Cant speak English well and told me nothing to do its gonna be there for 2 years I ask so they can just run my credit and I cant do anything about the held the call then told me I had to CALL EACH AND EVERY ONE of those running to get a deletion letter then after gathering all these letters I should send it to them.The only authorized inquiries are XXXX XXXXXXXX  XXXX  XXXXXXXXXXXX

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 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
Collins Asset Group claims I owe them $XXXX for a car loan from XXXX XXXX  XXXX. The account number is XXXX. I don’t know anything of this account. I disputed this account on XX/XX/2019 as a fraudulent account and Collins Asset Group sent me a fraud contract with false addresses and fraud drivers licenses, and other fraud documents that I’ve never seen before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: UT

Complaint narrative:
I was contacted on XX/XX/XXXX by XXXX XXXX XXXX in regards to scheduling a signing of Mortgage loan assumption paperwork issued by Provident Funding, the current holder of my Mortgage note. I called Provident Funding on XX/XX/XXXX and asked them if they would please send me a copy of the documents so that I may review them prior to scheduling a signing. They stated that they would send me a copy via email. To date I have not received a copy of these documents, also, to date, they have refused to send me a copy of the loan documents, stating that the loan documents do not yet exist.On XX/XX/XXXX I contacted XXXX XXXX to schedule a closing/signing on the mortgage loan assumption. I gave the Title agent my availability for XX/XX/XXXX, any time during the day until XXXX XXXX.Provident Funding has refused to send me a copy of these assumption documents unless I first agree to schedule a signing date and time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation