vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I want to file a formal complaint. I called Citibank to update my address and to pay my full balance in XX/XX/2018, which I then paid. I had not used the card since and it expired few months later. This week, I was informed by third party that I had an unpaid balance and several {$29.00} late fees. After talking to Citibank customer services, it  appears that there was a transaction that processed after I paid the full balance. And it appears their employee miss-typed my zip code. Therefore I never received any statements since XX/XX/2018. Having not used the card again and then the card expiring, lack of statements was not odd. Apparently they also sent out a new card after mine expired to whomever got it since it never came to me. Despite the zip code being their mistake and me having ZERO ways of knowing I had a remaining balance collecting fees, they refuse to waive them. A ) This should be illegal. B ) The customer service was condescending  and would not work with me to resolve this any other way than me paying the full bill including the fees. C ) They would not pass me to management and I have been unable to reach Citibank management because when I try to fill out complaint forms online, the website tells me that my account/card number doesn't exist. I imagine because it expired and the new one that went to some stranger was never activated. The whole thing has been highly frustrating. This can not be good/fair business practice. Not to mention this card is due to my military/government service, so that's a great thank you to Veterans. Overall, I think the late fees are unfair when it was their mistake and I don't like the inability to reach anyone past first level customer service that I am locked into. Also doesn't seem right. My XXXX interactions have been overwhelmingly positive compared to this and I will never recommend Citi to anyone if this is how interactions happen on their side.

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. Company took me to court without notifying me as the sent everything to wrong address and received default judgements and are attempting to garnish my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: LA

Complaint narrative:
I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. 
So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Somebody got a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
For the last 2 days, I have been trying to pay my insurance bill with USAA.com. I went thru several representative ( XXXX ; XXXX ; XXXX XXXX, XXXX & XXXX insurance department ; XXXX, XXXX & XXXX ) before speaking with a supervisor named who refuse to give last name. According to XXXX, supervisor, the reason for me not able to sign into my account which is locked was because I applied for credit card back in XX/XX/2018 and I need to send them copies of my driver 's license. I have been paying my insurance thru bill pay since XX/XX/2018 and now they restrict my access. On XX/XX/2018, the dealer faxed a copy of my driver 's license to the insurance department so I could get the insurance. I requested to speak to her supervisor and she said that there was no one higher than her to speak with. She informed me that I will be denied security access until I fax : XXXX or email : XXXX. I get it if they don't want to give me a credit card that's good and well but to deny me access to pay my car insurance online is ridiculous and stupid. I receive notification for my insurance bill from USAA in the mail. I was on the phone on Friday for over 45 minutes on hold and no one returned. 
Again on Saturday since XXXX. Received 8 security verification email to verify identity so I could get on. I was able to log on. The next step was the security question and I was told to call USAA. According to XXXX, the security department was closed due to the holiday. However, a male named XXXX claimed he was from the security department. No one should be treated or harass in such way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
THE DISPUTED ITEMS DOES NOT BELONG, PLEASE RE-INVESTIGATE AND HAVE THE NEGATIVE ITEMS REMOVED OFF MY CREDIT FILE.

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 2019-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My parent and I had settled a private student loan with the private student loan servicing company Navient in XXXX. Since the settlement, we had not received any further communication from Navient until recently XX/XX/XXXX from different sources regarding the information on the same accountXXXX XXXX XXXX is a third party debt collector who obtained unsolicited personal information on my co-signer and contacted them regarding a settlement that has already been resolved and paid in full and no longer owed for the student loan from an unknown company with the phone number XXXX. An additional source has obtained my personal unsolicited information claiming the same Navient account and debt have been forgiven as part of a class action suit from a company called XXXX from phone number XXXX who claimed to obtain my information from a Database. 
The company called and left an automated message regarding a class action lawsuit for my loan in which it has been forgiven. Upon further investigation, this was found to not be confirmed. 
I and my borrower have not opted in for any information from these companies and it appears our information has been compromised, misrepresented, illegally obtained or shared by Navient, in addition, to incorrect reporting to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
experian refuses to report information correctly. They state that I am very late on payments and that I still have an open account and active debt with a bank even tho the other two credit reporting companies have removed this account as court odered.

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 2019-04-20 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:
We have been having a problem with the XXXX XXXX falsely reporting to the credit bureaus that we missed our first mortgage payment in XX/XX/XXXX. We wrote a check on XX/XX/XXXX and the check to them was processed by our credit union on XX/XX/XXXX, the due date. I have contacted XXXX loan office twice about this false report of delinquency only to be told they have issued a research ticket. I have also filed the dispute with Transunion   and have been attempting to dispute with XXXX, but can never get through on phone or online. The derogatory statement on our credit reports is fraudulent and needs to be removed ASAP

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 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX EST, I awoke to an email alert, timestamped XXXX am, on my phone and it stated my account was over drawn. I immediately checked my account through online and mobile banking. I was surprised to see an ACH debit I forgot about did in fact overdraft by {$10.00} usd. I also saw that I was charged the overdraft fee of {$36.00}. I am set up for account alerts so I was shocked to see as soon as I was in receipt of the alert the fee was already assessed. I contacted PNC Bank customer service and expressed my concerns but was told by the representative " it looks like the fee was properly assessed. Me personally, I don't use those alerts. I use xyz alerts. They are in real time. '' She informed me there was nothing she could do about the situation. I asked to speak with a supervisor. She said she could take my number and a manager would call me another time to discuss ways to avoid this in the future. I told her that was unacceptable and I would like to speak with someone at the present time. I was put on hold for a few minutes. The manager came on and said the alert is not in real time and there are a  different set of alerts to sign up for that are in real time. He said " I see you have online/mobile banking so you can check your account at anytime. '' I'm not sure what this had to do with my situation. He said the account is processed at XXXX and that is when the account actually shows overdrawn and the fee is assessed at that time and the alert is emailed after the fact. I asked him " If the card was not physically used by the customer what reason would you have to just assume your account needed attention. '' Bottom line is that neither the representative nor the manager even attempted to assist with the situation. I am really considering closing all accounts and cutting all association with this institution. If you are told setting up banking alerts are a great option so you do and later when an issue happens you are told you should have signed up for another specific set of alerts just does not seem like you are concerned with customer service nor satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a credit report collection item dispute over the phone with Equifax. The dispute was for an old collection item that was related to identity theft by XXXX XXXX XXXX. To my surprise, Equifax penalized me for disputing the item and dropped the score 10 points! When I tried calling in to get assistance and request the investigation be cancelled, none of the 3 reps could verify my personal information. I called three times on XX/XX/19 and each time I provided my information the reps claimed they couldnt verify my report info! This is extremely frustrating and it should be illegal for them to penalize consumers for fixing items on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: NY

Complaint narrative:
I have contacted Navient a plethora of times in an effort to lower my monthly payment. The most recent being XX/XX/XXXX. 

I have two loans now serviced by them. My first loan which was initially serviced by Sallie Mae is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$31000.00}. It currently has a 11.5 % interest rate which they refuse to lower and a current balance of {$55000.00}. My new monthly payment is {$580.00}. Last year it was {$340.00}. 

My second loan which was initially serviced by XXXX XXXX is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$24000.00}. It currently has a 8.75 % interest rate which they refuse to lower and a current balance of {$23000.00}. My new monthly payment is {$250.00}. Last year it was {$240.00}. 

I have called Navient to inquire about consolidating them since they both are serviced by the same lender in order to have one payment and one interest rate. I have literally begged them for a lower monthly payment and have been told there is nothing they can do. Most recently in XXXX the representative told me they can not lower my payment because my credit score is too high which proves to them that I do not have issues paying my bills. I was advised to not pay my loan amount which will put my account in default which would result in a lower credit score and ultimately prove I need assistance with a lower payment. This is the most insane feedback I have ever heard. As a individual who has taken pride in having a flawless credit score, I would have never imagined hearing this type of suggestion to show a borrow is in need of help! Navient has in no way, shape or form tried to offer lower monthly payments. They simply will offer paying off just the interest to lower your payment for a short period of time which in turn will ultimately increase your monthly payment once that time period ends. Additionally, they are refusing to release my co-signer! 

I personally have never missed a payment on my loans, but its unjust to be stuck with a loan servicer who could care less about their borrowers and their monthly payments amounts. Navient has about 12 million customers and services more than {$300.00} XXXX of government and private student loans. The greed they possess is disturbing and the borrowers need immediate assistance. We all want to pay our loans off, but we want to be able to live and enjoy life as well without the burden of a {$1000.00} monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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:
THE DISPUTED ITEMS DOES NOT BELONG, PLEASE RE-INVESTIGATE AND HAVE THE NEGATIVE ITEMS REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.

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 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went into my local branch of Bank of America to order temperature checks temporary checks. The three checks that I had I have used up what's up obviously since I am requesting more what's up I don't often write checks but sometimes they are necessary. Bank of America told me it would take two weeks to get me checks which is totally not acceptable. I am sitting here in the lobby and they are giving me death stares. 

The customer service here are alternating between giving me death stares talking about me in Spanish and overall being completely rude. I am XXXX years old and also have a really bad case of the flu which I don't mind sharing with them. After all why should I be the only one suffering. In any event Bank of America are giving me the Mean Girls nasty treatment. They are making me wait in the lobby while they serve other customers because apparently asking for a temporary check is something really at Bank of America.. I also suspect the refusal of service as got to do with the fact that I'm XXXX years old and I'm sicker than a dog. This is why I really wish I could make my day shorter and go back to bed but I can'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 2019-04-20 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.

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 2019-04-20 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:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
They have called from different numbers. The one provided is the most recent number. They call me 3 to 5 times a day and most times it is not even an hour apart from each other. I have talked to them and then they call the next day. I understand I owe them money and I have not denied that. and I have explained each time I am a single mom trying to get things straightened out since my husband left me high and dry a few months ago. If they are not willing to understand and follow the LAW then I want my debt forgiven and for them to move on. I should not be harassed every day about this when I have spoken to them and confirmed who i am and explained each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I stayed in XXXX XXXX in 2013 and was evicted out of the apartment at the end of the year I went to eviction court due to owed rent and was given a dead line to pay the apartment complex back. I wasnt able to do so, so I just moved out and now Im being charged over {$6000.00} for a small 1 bedroom apartment for charges I know nothing about when in fact I do owe for what the judge said about past due rent in eviction court, but never did the judge say I owed them in court over {$6000.00}.

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