vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XXXX XXXX, 2017, I spoke with a Delta representative in regards to changing my flight day and time to another day. I was on the phone for an 1 1/2 hours talking with XXXX who was so politely helping me get the situation resolved. He asked during our conversation had I signed up for Sky miles. He explained the terms of how sky miles worked and said it was n't any cost to me, but if I wanted to do an application to qualify for an american express card I could do so. I proceeded to tell him, I had already filled out an application online when I was looking for flights for my up coming XX/XX/XXXX trip. On XXXX XXXX, 2017, I filled out an application and was declined the credit card. I told XXXX, I had already applied for the credit card and was denied. He ask me how long ago and I specifically told him approximately 2 months ago. He proceeded to say, we can check on that to see what we have on file. He comes back on the line and tells me they have no record of me applying for the card, and told me that perhaps I did n't get an approval letter yet. I told him that I was denied, which clearly means I received a letter. I did go ahead an redo the application based on the information he gave me. He connected me over to another department and a young lady proceeded to give me alot of info about the card and what it offers. I told her the same thing, that I had already did an application before and was n't approved. She said, ok and proceeded. After she put the info through the decision came back denied. After, I hung up with the representative, I went to my email to check the status of what the credit decision said. Well, lo and behold, I get on there and see I was declined onXX/XX/XXXX17 and XX/XX/XXXX17. My point here is that Delta should have know that a quiry was placed on there on XX/XX/XXXX17. I did n't want another quiry on my credit report. I believe they knew the first application I did was on there and therefore I feel that my rights were violated according to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My husband & I had a bank of America credit card. In  XX/XX/XXXX  we refinanced to pay off credit cards and close them. My husband called to get balance for payoff, we refinanced and our credit union cut the check along with our request to close account. BOA received payment on  XX/XX/XXXX . It should have been done and closed. After receiving check they stated balance was incorrect, kept account open, and further charged interest and fees. The card has not been used since. They stated balance was {$66.00} and with interest and fees it is now {$200.00} plus. I offered to pay remaining original balance they declined. It was further reported to my credit report as a co holder that we have been late on account for whole year of  XXXX . I am reporting this to you to investigate and ask for removal of credit report negative information and I will pay what remaining original balance was and to close this account. This whole process by BOA has been unfair to consumer.

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 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min  on the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

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 2017-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min on the phone ) finally got access to my account. Put in new info, it did not take the info e ven though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my credit score  XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called  them ( after 30 min on  the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

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 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to pay this debt howe ver, Citi/ATT Universal Card is fals ely charging me. I closed the account and pay more than the minimum payment. Call after call to Customer Service is useless ; written communications are not helpful ; I need help in resolving this matter. I made a payment of {$500.00}  XXXX     2017, it  did not clear then and to date it has not cleared my bank ;  XXXX   XXXX ,  2017, I called Citi,  was told payment was not received ;  XXXX   XXXX ,  2017, I stopp ed payment on the check and made a replacement of that check by phon e to Citi in the  amount of {$500.00} ;  XXXX     2017 statem ent shows a charge of {$500.00} ; I called customer service disputing this charge, they are useless and rude ; many attempts to resolve this monthly {$500.00} charge was resolved, so I thought. Please see attachments hereto. I am being charged {$500.00} each mont h by Citi ; I have called and written Citi without succe ss. Maybe you can assist me in resolving this. Thanks

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 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Recovery Solutions, LLC
State: NH

Complaint narrative:
This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.

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 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.

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 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number  XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX I notified Capital One in writing via post that XXXX charges on my statement were fraudulent ( XXXX {$50.00} each ). No response from company. In XX/XX/XXXX I called their Customer Service number. They verified that my letter was received in XX/XX/XXXX but no action had been taken by them. I called again a week later because I still had not received any further word on what was being done. Very frustrating call with several transfers. I ended call by demanding an email telling me when I would have the charge and resulting interest removed from my bill. I never got any email ever. At end of XX/XX/XXXX I called again. They said destroy my card and they would send a new one. Which they did. They also said they would contact me the next day about getting the charge and interest dropped because the supervisor was n't there that day. Apparently the entire global company only has one individual who gets things done and he or she was out that day. The charge is still on my bill as of today. This morning I called 3 different phone numbers trying to reach a real human and spent an hour in automated phone system XXXX. Capital One has violated the 30 day confirmation law and the 90 day investigation resolution law. And I have wasted much valuable time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar Mortgag e ( Loan  #  XXXX   ) pai d, early, to  XXXX   XXXX   XXXX , our annual premium. At the time, we were in the process of refinancing and changed our insurance company to  XXXX   XXXX .  <P/>  XXXX   XXXX  assured us they had refunded the money to Nationstar and that the {$490.00} would be refunded to us " in several days. '' This was on the  XXXX  of  XXXX .  <P/> Nationstar continues to send us auto-responses that say they 'll get it taken care of " within 30 days, '' but that date has come and gone.  <P/> In addition to the {$490.00} that was sent to the wrong company  ( our new mortgage holder paid the premium when we refinanced, so the refund is due to us ), there is an additional {$130.00} and change due that was a overage they collected during the year. Nat ionstar claims they cut that check on  XXXX   XXXX , but we have not seen it.  <P/> We have no disposable income and were counting on the {$620.00} to offset most of our  XXXX  mortgage payment. Unfortunately, we had to pay it without having that money and we are at risk of being overdrawn in our checking account.  <P/> Please help us. We 're just plain working people trying to stay afloat in this perilous, uncertain world.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.

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 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.

Company response to consumer: Closed with non-monetary relief