vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX, XXXX, XXXX XXXX, and Equifax by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX  in the XXXX XXXX  of XXXX  and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX is busy and I do not have time to be on the phone as XXXX bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 

In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), XXXX the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a complaint in response to a previous complaint # XXXX : ( You can reference this prior complaint to access the details. ) This is a follow up complaint against Bank of America for closing our newly opened joint checking account. My original call to the bank about this resulted in speaking with someone who told me that they had decided to cancel/close the checking account, and that they did not have to give any reason for doing so. I was also told that we could NEVER open another account with BofA again, ever! But, I was told that I could keep my BofA XXXX card with a {$40000.00} limit ( which, by the way, has a {$0.00} balance )! It was at this point that I filed the first complaint with CFPB. In response to this complaint, I did receive a return call from Bank of America, but their response was what they originally said, that is, " We don't have to give a reason for closing your checking account. '' However, the representative did suggest that we should order our reports from XXXX, and that should show what the reason was. He also said we could try to open an account again, which is in direct contradiction to what we were told before. We received our XXXX reports and they show nothing in regard to any reason for Bank of America closing our account.

Therefore, I contacted Bank of America again and was directed to call the Risk Department at phone # XXXX. I spoke with several different people and eventually ended up with XXXX who, after listening to my issue, put me on hold for 26 minutes, only to come back and tell me the scripted answer " We don't have to tell you the reason for closing your account. '' This answer, which is not really an answer, is totally unacceptable. Since the XXXX reports showed no cause for termination, we can only assume that we have been discriminated against. I will extend to Bank of America 2 weeks from the date of this complaint to respond with an actual explanation and an apology. I believe it is my right to know why I would have a checking account closed. I have no outstanding bills or credit lines, etc ... and have a FICO score in excess of XXXX. I also had been a BofA customer for over 30 years with several accounts that never had an issue. How do I know if my information may have been confused with someone else? Or did some BofA employee just decide they didn't like something in my information and made the decision to close the account? If so, why can't they tell me what the determining factor was? Or was there no actual reason other than someone's whim to discriminate against us for some reason? If this attempt does not resolve with an acceptable answer, my next recourse will be legal action and social media exposure.

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 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is only in the business of making money and once you understand d that, you understand d that there's nothing or anyone who can actually expect any HONESTY from that bank. So I did a money transfer with my credit card and they never told me that the thirty day grace period would be eliminated. They NEVER told me. So I've been on the phone with these people on this issue for hours because they is the objective, to waste your time and put you through XXXX. So at the highest levels, XXXX XXXX talks with XXXX about making it the people 's bank, but in reality he has XXXX XXXX XXXX a year plus perks and you're shafted. That's the reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
I contacted the dealership once I drove off the lot of problems back in XX/XX/2016 with the vehicle shaking at 50-55 speeds. I brought the car into services multiple times when most of the times it was never documented that I brought the car in. I ask if the service manager if he can replace the car and there was no interest in to what I was saying of the problems the car faced. I ask the dealership to keep the car because I no longer wanted the car and now it saying I am responsible for the outstanding balance after being sold at auction. The new owners have also repeatedly brought the car into service for the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint letter in regards to Capital One Bank, N.A. Whatever action, if any, that your organization chooses to take is entirely up to you. It is certain that whatever punitive action you might take, it will not be satisfactory to me, since I want this corrupt organization to be liquidated and its officers to be incarcerated.

There have been several trangressions on the part of Capital One : unauthorized and unsolicited investigation into my credit history, deliberate tampering with my credit score causing it to be diminished, harassment via predatory marketing activity, possible accessory to identity theft, possible initiation of a credit account for the benefit of a thief using my personal information, and a deliberate refusal to offer legitimate telephone service to persons seeking information and making inquiries. 

I am not, nor ever have been a customer of Capital One. Through an online service called XXXX XXXX, I have discovered that Capital One tampered with my credit history, causing my credit score to go down. I have not attempted to open any credit account or to make a loan through any bank or lender. There is no reason whatsoever for Capital One to be making an investigation into my credit history. 

In just this year alone ( XX/XX/2018), Capital One has used my post office box in an attempt to entice me to open a credit account. Capital One has also engaged in telemarketing to me on my personal phone. On two occasions, I requested of their marketing representatives to remove me from their list of victims they obviously dont intend to leave me alone until I presumably become their customer ( which is clearly not going to happen ). In other words, Capital One wont take No for an answer. 

On XX/XX/XXXX, I called Capital One to inquire as to the possible identity theft and illegitimate account. Because I would not provide my entire social security number, they refused to investigate or cooperate ( after displaying such predatory behavior, what fool would provide them with that information?! ). I should also mention that it took an incredible amount of maneuvering in their automated phone system in order to speak to a live human being if youre not a customer with an account number to provide, youre out of luck. 

Further proof of Capital Ones predatory marketing behavior can be found in light of the fact that they are currently lobbying Congress and the Federal Communications Commission to remove any and all legal barriers so that they ( and others ) can fully indulge in unsolicited Robocalls and message texting. 

Any regulatory, punitive, or disciplinary action you might care to take against Capital One would surely be appreciated, and well-deserved on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. 
The home has a sale date of XX/XX/2018. 
First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. 
A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. 
The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. 
On XXXX we sent The title for approval to XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Around Spring of XXXX I was underemployed and fell behind on my two Citi credit card accounts. I called Citi to figure out a payment arrangement ( according to their records, on XX/XX/XXXX ). The arrangement was to make the accounts inactive, consolidate them, and for me to pay $ XXXX/month toward the outstanding balance until the bill was paid off, which was to be automatically deducted from my primary checking account. Every month, I have {$50.00} deducted from my checking account to pay towards what I assumed was our payment agreement. For over two years, I have been under the assumption that I was paying toward the total as agreed. 

In XX/XX/XXXX, I received a court summons from a debt collector called XXXX XXXX, XXXX, who claims to have ultimately bought the debt of one of my credit accounts from Citi in XX/XX/XXXX. The outstanding balance on the account was listed as the same amount as the final statement I received from Citi in XX/XX/XXXX, which was {$2900.00}. According to the summons, Citi charged off the account on XX/XX/XXXX ; 11 days after I made my payment arrangement with Citi. 

In XX/XX/XXXX, I called Citi to talk to a representative about this situation. After getting passed around through a half dozen agents, someone was finally able to locate my apparently defunct account information. The agent confirmed that I spoke with a representative on XX/XX/XXXX, and created my payment arrangement of {$50.00} per month towards my outstanding balance. The agent then said that the account was sold to XXXX in XX/XX/XXXX, but gave no reason as to why or how. When I pressed that this was all clearly done in error, the agent seemed to agree that it was a mistake, but was adamant that it was no longer Citi 's problem anymore, and that I needed to contact XXXX to work out payment with them. I had the agent send me the statements of the defunct account in question. 

After receiving the statements, the most recent statement reads that the minimum payment due is {$50.00}, is due on XX/XX/XXXX, and that I am in a payment program. All of which confirms what I am saying, and that this was done in error. 

In short, I am being sued by a debt collector, Unifund, due to an error made by Citi regarding my account that was in a payment program that I have been paying toward. Citi, or at least the agents that I have spoken to, seem entirely uninterested in helping alleviate their mistake. 

Side note : After 'answering ' the initial summons, the plaintiff, XXXX, has made a list of requests that I find would be next to impossible for any normal person to fulfill given any amount of time, much less than 30 day time period in which they dictate a response.

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 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2018 -- checking and savings account opened through online portal under promotion for {$350.00} bonus. Per the coupon terms, opted to use only {$200.00} checking bonus as I would not qualify for the {$150.00} savings bonus. 

XX/XX/2018 -- I received a bulk mailed offer from Chase regarding their new promotion for {$300.00} when you open a new checking account.Thus in part jogged my memory regarding the promotion I'd signed up under over 10 weeks ago without yet receiving the money I was due. With no indication that something had gone wrong, I called Chase customer service regarding lack of receipt of payment for the promotion. Spoke with supervisor. Supervisor refused to assist because she could not re-apply the coupon. She let me know repeatedly that she did not want to help me and that there was no way she could apply the coupon now despite showing it on my account and despite my having correctly followed the terms of the promotion. When asked if there was any way that the promotion could still be applied, she told me I should close my account for 90 to 180 days so when I come back I will be considered a new customer. When I asked how that could possibly be reasonable, she once again reminded me that " even if I wanted to help you, I couldn't. '' When I asked if a manager could call me back, she agreed and advised it would be 24 to 48 " business hours. '' XX/XX/2018 -- After 5 days/2.5 business days, I sent an email to the Chase Executive Office/Team and reached out to their customer support team via XXXX. I have not heard anything nor been in contact with anyone from the executive team, and though I have gotten a reply from the support team, they merely informed me that they forwarded my complaint to the marketing team and offered no resolution or timeframe for a reply. 
XX/XX/2018 -- As I am writing all of this, an executive resolution team member called me to let me know she will be my point of contact for my complaint. Though I appreciate her, it's concerning that to get anywhere with Chase 's customer service, you have to email the CEO and his office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2018 I was a victim of thievery. Through my XXXX account the perpetrator gained access to my Bank of America checking account. The perpetrator tried to obtain payments in the amounts of {$3500.00} and {$150.00}. i contacted Bank of America on XX/XX/2018 and reported the fraudulent activity. The amount of {$150.00} was paid and released. BofA permitted a claim to be filed for the {$150.00} to be refunded. However, {$3500.00} was in processing and since, my account would not have sufficient funds BofA stated that a claim would not be submitted. I was assured that a flag was placed on my account to prevent any requests of payments being made to XXXX, I would not be impacted any further and my account would be protected. My payroll is directly deposited into my checking account and also, I had sizeable checks that would need to be deposited to pay for Home Improvements being made to my home. On XX/XX/2018, the {$3500.00} was submitted again for payment. My funds were suspend and I did not have access to my account except for {$690.00}. BofA did not recognize the prior fraud, my account was not flagged, I was detrimentally impacted due to me not having access to my funds. I contacted BofA by phone since, I was working and the wait time was over 1 hour to speak with an associate. I then proceed to go to the branch. I then spoke with the bank representative who in turn had to contact the fraud claims. The {$3500.00} was in " processing '' and it was the policy of BofA to not release the funds. As stated this account obtains my payroll deposits, I had reported the fraudulent activities and yet I was not provided access to my funds at BofA.

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 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank ( purposely, I'd conclude ) misleads the card holder about interest fees charged on my account. 

After wandering through their website for some time, I finally found an interest rate posted on the " Account information '' area. It had all my information - and listed the fee as a trans-usurious 20.24 %. I called to find out why I'm being charged such high interest. 

It turns out that that is NOT the interest being charged on the balance. The fellow on the phone said it's " only '' 15.99 % - still usurious, but less. 

The rate I or any consumer pays should be posted in large type on the splash page for any card I hold. Period. I should not have to hunt for it, find a rate that proves to be wrong, call the company ( and try to get through their pea-brained computer voice ), and all-in-all spend two hours or so trying to get a simple answer about the rate I pay. 

So - POST RATES IN LARGE LETTERS ON THE ACCOUNT HOME PAGE. 
and GET RID OF THOSE XXXX COMPUTER VOICES. GIVE THE CALLER AN UPFRONT OPTION TO USE A KEYPAD.

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX synchrony debt of XXXX was paid on XX/XX/18. not only is thisdebt on my credit reports it is being reported as charged off and or dilinquent. i want this item removed off all credit reports

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