vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been receiving unsolicited credit offers from Capital One bank in XXXX, VA, despite being registered with XXXX XXXX opt-out and XXXX. I first e-mailed Capital One, then called their customer service number several weeks ago to request my name and address be removed from their mailing list -- yet their pre-approved credit offers continue to arrive in the mail about every XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am receiving repeated calls multiple times a day ranging in times from XXXX to 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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: North American Asset Services, LLC
State: TX

Complaint narrative:
wrong account non known still on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2018-07-31 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: NC

Complaint narrative:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
The following complaint applies to my XXXX XXXX Citibank Visa card. 

XX/XX/2018 : I ( personally ) changed my Auto Pay to the minimum amount of ~ {$86.00} in CitiBanks mobile app. 

XX/XX/2018 : Citibank ignored my prior Auto Pay selection and made an unauthorized deduction from my personal checking account in the amount of ~ {$3500.00}. 

I called CitiBank, lodged a complaint and asked them to correct it. They changed my Auto Pay selection ( again ) to ~ {$86.00} and returned the funds three days later. 

XX/XX/2018 : I called Citibank to advise them that they had, once again, ignored the prior Auto Pay selection and taken another unauthorized deduction of ~ {$3500.00} from my checking account. After calling my bank to verify the funds, they removed a hold on the funds on their end and advised that they had refunded my checking account. They also said that they changed my Auto Pay selection to ~ {$86.00} ( again ). 

XX/XX/2018 ( today ) : Funds for the unauthorized deduction still havent hit my checking account. I called Citibank and they advised me that the refund had not been initiated and that I now had to wait an additional 3-5 business days while they reverse the funds. They are, in effect, holding my money hostage.

In addition to being unethical, the unauthorized removal of funds from an individuals private account is ILLEGAL. I will be in conversations with legal counsel to understand my rights and next steps.

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 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

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 2018-07-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

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 2018-07-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2017 chase bank {$150.00} delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: NY

Complaint narrative:
statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: U.S. BANCORP
State: GA

Complaint narrative:
I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.

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 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WA

Complaint narrative:
ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2017 XXXX  bank {$150.00} delinquency

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 2018-08-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2017 chase bank {$150.00} delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau Experian, 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
Consumer complaint received 2018-08-01 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: WA

Complaint narrative:
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, TransUnion.

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 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Our home bank is JP Morgan Chase, on XX/XX/2018 a withdrawal was being made at a XXXX ATM for {$500.00}, machine malfunctioned and ATM door shut on the money before it was disbursed, we were only able to remove {$40.00} from ruined ATM and ATM wouldn't retract our card leaving in the machine. We tried to go into the branch to solve the issue with the card and money the branch manager said its not her responsibility since a third party handles the ATM and that we should talk to our bank to resolve the issue. Chase bank helped us file a claim and credited our account for {$460.00} the next day and canceled our card that got stuck but we paid to have a replacement sent out. On XX/XX/XXXX while checking our account balance we noticed a - {$460.00} on our account and when we spoke to a chase representative at a branch they said they investigated it and XXXX said that what we are claiming is untrue and the ATM count was correct as per what their third party is saying. I tried to call the fraud department for Chase to see what I can do to resolve the issue representative said what I am claiming is untrue and that XXXX ATM showed no fault codes at the time of incident, and that I can not do anything and that I owe the {$460.00} I asked to speak to investigator or whoever handled the investigation, representative said I can not speak to them. If they were to see the video at the time they would know of the fault or at least investigated the ATM records. Chase said I cant appeal the decision and am stuck paying the {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NV

Complaint narrative:
I spoke to XXXX XXXX and settled the debt with them. They were supposed to contact Hunter Warfield. However after months of emails am still receiving collection calls and this debt was supposed to be removed per my email with XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen loan servicing will not let me make my payment. I have tried repeatedly! On Friday they would not let me pay it over the phone. They said they would call me on Monday and didnt. They called me tonight and said that if I had answered the phone yesterday I could have paid over the phone but now I need to go to the bank and get a certified payment and they would allow me to make one months payment. Im not kidding they will not let me pay my payment. And this has gone on for months. And, they said that my account rolled into foreclosure today even though I tried to reach them for the last several months. 

Tonights rep was especially arrogant and rude He claims to be XXXX XXXX, # XXXX. 
Ive also dealt with XXXX and ... XXXX?? 

I can never, ever reach the agent who was supposed to be assisting me that they assigned.

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 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I spoke with Navient XX/XX/2017 and they did not want to work with me on lowering the payments.

On the websites it has that if you have federal student loans your payments may be lowered however this is often not the case.

Also, they did not discuss any payment options with me. 

Navient interest rates are too high Navient does not give options to repay on loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
Obtained loan on XX/XX/2018 in the amount of {$580.00} for a title loan to assist with emergency expenses. I have been paying monthly {$170.00} per month. 
Not properly disclosed by the lender, my interest rate is 382 % I have paid the a total of approximately {$740.00} of a {$580.00} loan and still have a balance of {$860.00}. 

My understanding is that it was at 10 % rate however, it appears to be a 382 % loan. 
Is this a predatory lending practice and is it legal for a company to charge these types of fees without making sure the customer understands this contract. It indicates on paperwork that you can obtain a refund for finance charges if you pay the loan off early ; however, in my attempts to do that I was told that my payments would be applied to the interest amount first therefore, contradicting the wording that says that the borrower would be entitled to a refund if principle is paid off early. 

It also indicates that the Lender is XXXX XXXXXXXX XXXX XXXX but then it indicates that my pre-paid finance charge would be paid to XXXX XXXX XXXX XXXX XXXX dba XXXX XXXXXXXX XXXX for this loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

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 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
ERC attempting to collect a debt on an unverified account. Provided no proof of validation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity capital bank. XXXX credit iopen this card for 12 months interest free credit at the end of the 12 months if you still had a balance they were charged all the interest to your account My accrued interest as on my statement every single month was to hit on XX/XX/XXXX and I need to make payment in full by then on the week prior to XX/XX/XXXX I called the one 800 number numerous times to try to make a telephone online payment they wouldnt except my online payment because of the amount it was over {$7000.00} they said I needed to speak to a representative I called three times I was on hold for 30 minutes 45 minutes and almost 2 hours and no representative ever came on I couldnt make it to the automated system because it was too high of a balance so I was forced on the day before XX/XX/XXXX to go online to their website and make the payment through the website when I got to the website there was a radio button that said pay this balance in full I click the radio button on XX/XX/XXXX the day before the interest was to be put on my account and they took the money out of my checking account no problem well it turns out that my minimum payment was due on XXXX XXXX and I never made the minimum payment so they waited until after the XXXX to put a {$25.00} late fee so even though my balance was XXXX on the XXXX like it was supposed to be not to get charged a accrued interest I owe them a {$25.00} late fee which they hit me for five or six days after I didnt make the minimum payment and after my belt is already XXXX and then they checked on the {$4000.00} in accrued interest I dont believe I owe them any of this money had their 800 number picked up the phone and they can check Buy my phone number that I called and I was on hold and they know that their automated system wont take a payment for that amount of money and that I try to do it and they will see that I signed up for the webbing in the day before the payment was due so that I could get this payment in because there was no other way for me to pay it I hit their radio button that said pay this balance in full and I did and then they still hit me with a {$25.00} late fee six days after and then charge me {$4000.00} in interest I dont think this is the way it supposed to work most credit card company said you with the late fee the day after you dont pay it and I think they did it on purpose their lack of customer service the lack of technology is what caused this problem and I would like the entire accrued interest for all the charges reversed I try to fight it with them and they gave me a XXXX {$50.00} credit so I would like all the rest reversed and it take it off my credit report ASAP

Company response to consumer: Closed with monetary relief