vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding XXXX billing dispute and false statements report to credit bureaus and to CFPB. XXXX stated to CFPB THAT my XXXX account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to Experian stating that the XXXX account could not have been sold to XXXX in XX/XX/XXXX cause on my Experian report XXXX XX/XX/XXXX the XXXX account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent XXXX XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to Experian that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's XXXX XXXX XXXX but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX  XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to XXXX where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with XXXX XXXX also. They have sent different letters with different facts that are completely false and they know it

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I 've been a loyal cardholder with Synchrony bank since XXXX. I currently own a card from Care Credit, Chevron, Jc Penney 's and Lowes. In XX/XX/XXXX I filed a complaint via Consumer Financial Protection Bureau in regards to my Chevron Card because my limit was decreased from {$3000.00} to {$1200.00} which I thought was too low for a customer who has been a cardholder for 13 years. My limit has never been decreased even when my credit score had slightly changed in the past. Evidently, my credit score changed earlier this year which led Synchrony bank to decrease my Chevron Credit Card limit. Furthermore, the reason why I am filing a complaint today is because I feel as though I am being retaliated against from filing a complaint back in XX/XX/XXXX. When I filed the complaint in XX/XX/XXXX I received a response from XXXX XXXX XXXX, Senior Specialist who decreased my limit on the Chevron Card but also turned around and decreased my Credit Limits on my Jc Penney and Care Credit Card some weeks later because I received a letter in the mail. I know that my credit limits were decreased ONLY because I filed a complaint on my Chevron Card in XX/XX/XXXX. I don ; t think that was right, it was very disrespectful and inconsiderate. Remind you, my credit limits were not decreased until after I filed the complaint.

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 2017-08-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I had disputed charge with my bank Citi. They sent me the following : Thank you for contacting Citi ( R ) Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2017 {$5000.00} XXXX XXXX XXXX XXXXXXXX WA Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have rebilled your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within 2 billing periods.

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 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX I requested a withdrawal of XXXX eur from my Coinbase account to my bank account. Coinbase sends me an email indicating that the money would be in my bank on XXXX XXXX. Today I still do not receive it in my bank account. I contacted the Coinbase support team but received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
The headaches with XXXX XXXXNavient escalated when the U.S. Department of Education ( DOE ) cancelled XXXX XXXX federal aid certification, after the US senate cut down spending on american students attending foreign medical schools. In the middle of my studies, XXXX XXXX informed me that I am not longer eligible for deferment as per information from DOE. The proposal was to change to another university approved by DOE, but getting transfer credits was impossible and I did n't want to keep on starting over with XXXX. I had the same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX increased the interest fees by putting my federal loans in-repayment/forbearance, while I was still attending XXXX. 
XXXX  did not report directly to the XXXX XXXX XXXX. Hence, XXXX 's reporting process is on paper. My other servicers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, etc. ) accepted enrollment certificates without asking me to sign extra forms to put my loan in deferment. On the other hand, XXXX XXXXNavient had been refusing to put my loan in deferment and informed me that enrollment certificates were not enough. XXXX XXXXNavient required me to sign an additional form each time I applied for deferment. 

Navient and XXXX XXXX want unpaid interest to be added to the principal balance, even if the original " Promissory Note '' indicates otherwise. 

On XX/XX/2017, I complained to Navient ( loans transferred from XXXX XXXX ). Instead of fixing the problems with XXXX XXXX, Navient responded by adding 15 fake " missed payments '' to my private loan account, increased monthly payment on my private laon, and sending harassing letters to my co-signer. I do n't want to pay/do not authorize my co-signer to pay the missed payments and informed my co-signer to ignore the wave of harassing letters from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: MI

Complaint narrative:
On XX/XX/XXXX I submitted complaint number XXXX with CFPB against XXXX XXXX XXXX, the bank respond came as a shock to me since its so contradicted. I stated in my complaint that Im a victim of identity theft and that there is an unauthorized charges on my account. XXXX XXXX XXXX respond with a letter ( enclosed ) that,  quote '' Since you received the order and signed for it, the charge was rebilled to your account on XX/XX/XXXX. ", they only provided me with a proof of delivery not a proof of signature! I did contact USPS.COM and requested a proof of signature ( enclosed ) to be emailed to me and here it is!! The signature on the delivery record is NOT my signature!! I do n't know who signature is this. Therefore, Im stating again that I did n't do any online order, and I did n't receive any order or sign any delivery form and I request Capital One to provide a USPS proof of delivery with MY signature on it, ( I can provide my driving license copy which have my signature on it if requested ). Someone can see clearly in the letter sent to me from USPS that there is a contradiction in the statement!! The letter states that, quote from enclosed letter " delivered on XX/XX/XXXX at XXXX XXXX in XXXX, MI XXXX to XXXX XXXX '' when my name is different than the one signed and there is a clear difference, moreover the scanned image of the recipient information shows that the name is " XXXX XXXX '' not even " XXXX '' Therefor, how can Capital One state that I did sign for the package when they ca n't provide a proof of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T & I Enterprises, LLC
State: IA

Complaint narrative:
I 'm a victim of Identity theft and I need the documents that were held with TEM Capital in reference to FILE # XXXX. I called several times in the past and got no cooperation at all. Those documents that are on file with TEM Capital is needed for me to fix financial life, and move on. I want everything that TEM CAPITAL HAVE ON RECORD FOR MY CASE FILE. EVERYTHING. I WAS WRONGFULLY ISSUED A JUDGEMENT ON XX/XX/XXXX FOR THE AMOUNT OF + {$27000.00} AND ON XX/XX/XXXX IT WAS DISMISSED DUE TO NEW EVIDENCE. NOW I NEED ALL THOSE DOCUMENTS THAT ARE IN THE COMPUTER SYSTEM. EVERYTHING. I NEED THOSE RECORDS FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

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 2017-08-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NV

Complaint narrative:
On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX, I called chase to product change a card and the customer service rep changed the wrong card resulting in my accruing less rewards and not having use of the chase travel portal. Chase has delayed the reversal of this change each representative telling me that it would take a different amount of time to see the reversal. I am traveling in 1 day and am unable to use my card for travel as they changed the expiration date on the unwanted card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
The " XXXX XXXX  '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a letter dated XXXX/XXXX/XXXX from Synchrony Bank in XXXX Fl. regarding my Synchrony credit card ending in XXXX. This letter stated that Synchrony was conducting an investigation to verify recent transactions processed on this card. I had received a phone call from Synchrony just prior to the letter advising me of certain charges showing up in other states such as Illinois, California and Texas. During the phone call I made it clear that I had only been in Va. and N.C. in recent months and these were clearly fraudulent charges. I was assured that these charges would be removed and that my existing card would be cancelled and I would receive a new credit card. This was followed by a letter advising me that the disputed amts. and all associated charges would be removed and credited to my acct. Only part of the charges have been removed despite phone calls to complain about this. These charges remain plus monthly late charges and this is being treated as if I am delinquent in my payments. My last contact with the BP fraud unit was XX/XX/XXXX and I talked to a person named XXXX who gave me a file # XXXX. She advised me that these things take time and told me not to worry. Nothing has changed and I just received a statement with further charges added and that this is an attempt to collect a debt. This seems to be never ending and leaves me without faith in Synchrony Bank doing anything to clear this up. I have an unblemished credit record and I am worried that the lack of attention to this matter may leave me with damaged credit.

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