vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I have a XXXX line of credit created to consolidation loans. Loan closed XX/XX/XXXX ; recision period ended on XX/XX/XXXX and pay off checks were issued XX/XX/XXXX by the bank overnight mail. XX/XX/XXXX all banks processed the check as expected, except Prosper Funding LLC. 

XX/XX/XXXX I called Prosper Funding to check on the status of these two loans I have ( 1 ) {$8900.00} at 09.29 % interest and ( 2 ) {$12000.00} for 16.84 % interest. I called ( XXXX ) XXXX line and asked about the payoff status. They could not tell me checks were received. They did tell me that if the checks were received, they will process the checks within 10-days. They process checks through XXXX since they are not a bank. They also told me they will charge me interest each day until the check is processed. 

I was shocked to hear that interest is charged to me until they decide to process the checks and not based on the day the check is received. I have worked for mortgage business for 23 years and started int he payoff department in XXXX. This is not normal banking practices.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: LA

Complaint narrative:
XX/XX/XXXX, my money was taken out of my Direct Express account without my authorization, in the amount of {$1200.00}. I am disputing this transaction, I did not authorize any transaction on or after this date. I contacted the Social Secutity Office in XXXX XXXX, Louisiana by phone ( XXXX ) XXXX and by going to their office on XX/XX/XXXX about my funds being removed from my direct express account and they told me direct express still has my money and refused to look into the matter. I contacted direct express XXXX, and they told me social security debited the funds from my account due to unfinished enrollment according to a direct express employee in the direct express escalation and fraud department. I keep getting the run around what happened to my money but I never received my money. I have been calling direct express for weeks and they are just letting me file a dispute on XX/XX/XXXX and two weeks later the dispute was closed resulting in me not getting my money back that I was legally suppose to get back because I was told by direct express that within ten day of filing my dispute I would get provisional credit, but instead they closed my case without any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I am a XXXX  and qualify for a XXXX loan forgiveness program. Naviet continues to deny me for this program. Each time they state the reason, I correct the application then they find a new reason to deny the application. This has happened at least 5 times. Each time I ask them if there is anything else needed and I am told no that the application will go through once this item is " corrected '' most of these corrections are not really needed they are " administrative items ''. It is clear to me that Naviet is intentionally stalling and hoping that I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I was dumbfounded when I saw on my credit report late payment reporting for the date below : 30 day late in XX/XX/2019 I am unsure how this occurred. I believe I made my payments to you when I get my bill. My only thought is that I never received a statement that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: MI

Complaint narrative:
XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}

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 2020-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It's that time again. Wells Fargo is trying to foreclose on my house even though I had adequate income for my last modification application. This is the second complaint that I have filed against this company because for whatever reason I didn't get the request for response email messages from my first complaint. I plan to change my email address to avoid this happening this time around. 

In my previous complaint XXXX Wells Fargo responded that I didn't provide proof of my income which is untrue. They didn't make any requests for proof of my income. They denied part of my income due to the fact that I wasn't able to procure tax documents because I hadn't worked long for my employer. I have copies of checks and bank statements for that income that I will happily provide.

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 2020-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I borrowed {$7000.00} to finish paying for a class I needed to finish my degree. I had to get a co-signer, my daughter. I have been paying three years and still owe XXXX on the loan. I am paying XXXX per mo. and yet get no principal applied on several of my payments all on time. 

I was told that I need to pay XXXX a mo. to finish paying off the loan in 10 years! This is ridiculous. I can not afford that type of payment. 
To begin with, I was XXXX from the XXXX XXXX and XXXX   after having several operations. This is when I returned to college at age of XXXX. I am now XXXX and work 5 days a week at the XXXX, but still struggle because of incurred debt and raising XXXX children. 
This navient bunch lied and are misapplying my payments and constantly change their story as far as my payments ... ..HELP!! 

XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2020, my phone was lost/stolen. The phone 's XXXX XXXX/XXXX   apps were used to transfer money from my Debit card account with Bank of America and my Visa Card from XXXX  Card. Upon noticing this, I immediately reported it to my financial institutions. XXXX Card has resolved my claim, determining that the transaction was fraud and receiving no contest from XXXX regarding the transaction. I did also contact XXXX and submitted multiple items to them, at their request, to verify this was fraud. 

After an " investigation '', Bof A says they could not verify fraud and reversed the credits on my account which total around {$1800.00}. I have called BofA multiple times a week, I have provided the same documents I provided XXXX Card, I have asked to speak to the actual fraud investigators, and I have not been able to make progress. There were 2 transactions that BofA included on my claim initially that were not supposed to be ( they were legitimate Debit Card transaction with my physical card I made that day ) and I feel that they used those to deny my claim even though I told them multiple times that those were not fraud. All the transactions that were fraud did not use my physical card. One agent I spoke with told me that " this type of fraud is still new, and if the investigator does not look closely, they can look like physical card transactions ''. 

I need Bank of America to recognize this as fraud. XXXX does, XXXX Card does, but Bank of America is, for some reason, saying they are valid transactions. They will not provide me with information as to why. This amount of money is detrimental to my financial health and has caused significant hardship on me. I have been with BofA for 19 years, and I am incredibly disappointed that this process is neither transparent nor fair.

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 2020-03-02 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: MI

Complaint narrative:
XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}

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 2020-03-02 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: MI

Complaint narrative:
XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. 
As i have told them numerous times on the phone i'm a current XXXX  customer with active service so its not possible to owe them when i'm a current subscriber.

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 2020-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
I returned a leased car 10 months XX/XX/XXXX or XX/XX/XXXX to BMW Financial Services. Now they are billing me for XXXX Massachusetts excise tax. Despite knowing the lease was long over, they automatically paid the tax and claim it's my responsibility to fix it. 

On the Mass. RMV site it clearly states the party named on the registration has to cancel the plates. I was able to verify on the RMV website that the plates were not active. 

BMW Financial Services should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian they stated that XXXX XXXX XXXX  XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian have the ability to unblock and block accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Early XX/XX/XXXX : Received an unsolicited invitation from United/Chase to apply for a credit card indicating that " With this invitation-only offer, you'll enjoy a {$0.00} introductory Annual Fee for the first year, then {$450.00}. '' Early XX/XX/XXXX : I applied for the card with the believe that there would be no first year annual fee. 

XX/XX/2020 : Received an email stating " Congratulations. We have approved your request for a Chase credit card. '' On or about XX/XX/2020 : Received first billing statement from Chase with a balance of {$450.00} for " Fees Charged '' Contacted Chase via phone, opened an online account and sent them a " secure message '' with a snapshot of the the introductory {$0.00} Annual Fee invite they had sent to me XX/XX/2020 Chase responded that they had received the inquiry and were forwarding it along to the " appropriate '' people XX/XX/2020 Eight days later, with no response from Chase, I reached out to Chase a 2nd time XX/XX/2020 Chase responded with ... .. 
" I regret, we are unable to match the no annual fee offer that you inquired about. The offer on your account will remain as XXXX bonus miles after you spend {$3000.00} on purchases in the first three months from account opening. We apologize for any inconvenience caused due to this. 

XX/XX/2020 I reached out to chase, once again, and requested they reevaluate their decision to decline the {$0.00} Introductory Annual Fee XX/XX/2020 Chase 's response : " We re-evaluated your account and see your account isn't eligible for the new offer you requested with the first year no annual fee. '' By the way - My husband received the exact same invitation from Chase, applied for and received his own credit card. His statement, as expected, DID NOT have the {$450.00} annual fee. Was this discrimination on Chase 's part???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have tried over many years to work with my student loan servicer, but there are not flexible with options to lower my payment. I am currently not working now, and my payment continues to rise. I believe that they were predatory in their lending when I first began school back in XX/XX/2005... I had just turned XXXX years old and I was able to take out a student loan with high variable interest rates. Over the years if the rates were not outrageously high I think I would've had a better ability to get them lower. All the payments I have made over the years has done nothing to stop my overall balance from increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-03-02 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: WA

Complaint narrative:
On XX/XX/2020, I added a new payment account ( XXXX Saving Account ) to my Citi Credit Card account and attempted to make a payment using this method. Citi processed this payment request on another saved payment account ( XXXX XXXX  Checking Account ). On XX/XX/2020 I noticed what had occured and called both Citi Credit Card & XXXX XXXX. XXXX XXXX  understood the situation and provided guidance on moving forward. When I spoke with Citi phone support they were unable to determine or confirm if this was a technical or user error. I explained that this was a new account link and I double checked the confirmation screens to insure the correct account was selected for this payment from a new source. 

I asked for direction moving forward, and was told at this point there is nothing that can be done, just to wait the transaction will fail and once it does I can try to process the transaction again. 

On XX/XX/2020, Citi attempted to process the transaction again. ( which also failed ) I contacted support again to ask why, and was told that the transaction will automatically process 3 times and that I should contact them in the future to see if the fee can be wavied. I asked them not to attempt to process the payment any further and was told the agent didn't have the ability to complete that request and that the automation system would attempt to process the payment 3 times.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by XXXX to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.

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