vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I obtained a Citibank credit card to take advantage of their balance transfer offer which at the time was 0 % interest. I performed the first balance transfer of {$3000.00} on XX/XX/XXXX. Interest would be deferred until XX/XX/XXXX. The first balance transfer I obtain is noted as ( Offer 4 ) on the monthly statement. I performed another balance transfer of {$2000.00} on XX/XX/XXXX with an interest rate of 1.99 % and interest was noted as deferred until XX/XX/XXXX. The second balance transfer I obtained is listed as ( Offer 6 ) on the monthly statement. 

I made the monthly payments above the required minimum payments and notice that my monthly payments, which were always above the normal monthly required amount, was being applied to balance ( Offer 6 ) in which interest was deferred until XX/XX/XXXX and was not applied to ( Offer 4 ) in which the balance must be paid off by XX/XX/XXXX. As a result, if the balance on ( Offer 4 ) was not paid by XX/XX/XXXX, all interest incurred starting with XX/XX/XXXX would be added to any outstanding balance which was not paid by XX/XX/XXXX. I was led to believe my payments would go towards the first balance transfer, ( Offer 4 ) first and that I had until XX/XX/XXXX to pay off ( Offer 6 ) in the amount of {$2000.00}. I have a outstanding balance currently of XXXX. By the time my complaint is read I will have the balance down to {$1000.00}. It is very misleading when Citibank extends a balance transfer in which the rate is good until XX/XX/XXXX however, they subject the consumer to an unfair pratice by applying the payments to the higher interest rate which in my case is ( Offer 6 )  subject to incur interest charges on balances outstanding after XX/XX/XXXX. I am sure I am not the first individual who has taken advantage of more that one balance transfer at one time and this is truly an unfair practice to the consumer. I contact the bank 's customer service department and I was told I must pay off balance ( Offer 4 ) in which the last statment showed an amount of {$2100.00} by XX/XX/XXXX. Which does not make sense because my current balance as of the last statement was {$1900.00}. Balance ( Offer 6 ) showed a balance of {$110.00} which showes my payaments were applied to the higher interest rate offer ( Offer 6 ) which I had until XX/XX/XXXX to pay in full. Once again, before interest was applied.

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 2018-07-06 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: CA

Complaint narrative:
I just got off the phone with Navient, better known as the student loan servicer from XXXX. They call me repeatedly about being behind on my private student loan. I have been reaching out to them every since XX/XX/2018, before the loan increased from XXXX to XXXX to let them know that I am currently unemployed and am unable to keep up with this loan increase. Their reps responded via phone stating that their guidelines now require them to deny anybody a income based program offer if the payment increase is below XXXX. I am tired of being harassed by them with automated phone call. They call me daily at XXXX XXXX   saying by recorder please call XXXX and they can help. However, when I call them, they are unable to help me. I just spoke to XXXX on XX/XX/18 and she told me the same thing however she told me about forbearance which I was never notified of. They probably have more programs but are not offering them to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: NY

Complaint narrative:
XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called Equifax about this issue and they still wont remove these inquiries that wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: CA

Complaint narrative:
XX/XX/XXXX I recently cancelled my XXXX rewards credit card after 7 years with Chase and that credit card. The reason I cancelled was due to receiving a marketing email letting me know that my account benefits were changing, without my consent. After I cancelled I requested a refund on my annual membership fee ( pro-rated ) as XXXX changed their policy benefits mid-cycle. As a customer, I have the right to cancel my card and received a pro-rated refund. After wasting over an hour of my time on this, I still have had no luck with their horrible customer service ( mentioned I paid my annual fee in XXXX and they don't do refunds ). 

Customer care incorrectly mentioned that I did not have to change my card or benefits but as you can read below, they are chaging their TOS. As a customer I have the right to decline new TOS and should get a pro-rated refund on my annual payment as I am not the one who is changing the TOS. 

Full email here : Your XXXX XXXX XXXX Credit Card benefits are changing. 
Your account ending in XXXX Dear XXXX : Thank you for your loyalty as a Cardmember. We're letting you know that your XXXX XXXX XXXX Credit Card will have updated benefits. 

Your card will have updated benefits Beginning XX/XX/XXXX, the Free Night Award you receive every year after account anniversary, will be valid for a one-night hotel stay at a property with a redemption level up to XXXX points. This replaces the category 1-5 certificate you previously earned each account anniversary.1 Coming in XXXX, you will receive 15 Elite Night Credits each calendar year instead of the 15 Elite Night Credits you received every year after your account anniversary.2 Also, beginning XX/XX/XXXX, if you have more than one XXXX XXXX , XXXX XXXX XXXX, or XXXX XXXX credit card, you will only receive a total of one 15 Elite Night Credits benefit per calendar year, which will be credited to one of your XXXX Loyalty Program accounts.2 Please visit chase.comXXXX for the updated terms and conditions. 

We hope you enjoy all the updated benefits of your XXXX XXXX XXXX Credit Card. If you have questions, please call us anytime at the number on the back of your Card. 

Sincerely, XXXX XXXX General Manager Partnership Marketing Chase Card Services

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
We have 8 student loans with MEFA for my XXXX daughters. We have always had issues from the start about being late, behind or in default of our loans even though we have been paying the on time, and in most cases more than the minimum. MEFA sets up multiple loans for one person and expects separate payment on each and every one separately. That was never explained when we opened the loans and all the money we were mailing in was going to one account and none to the others under the same umbrella loan #. 
MEFA then sold our account to XXXX and then to XXXX and now to XXXX. Each time, the loan numbers were changed and the auto payments that my daughters were making were now going to a generic loan where they used the funds to first pay all interest and then spread payments randomly across all loans even though the payments were coming from separate bank accounts and going to specific accounts to help pay down the principle. 
We contacted MEFA, XXXX, XXXX  and now XXXX and this continues to happen to a point where my daughters are not able to keep up with all the changes and are constantly told their loans are delinquent, in default and are being sent to a collection agency, even though they are automatically paying on time and over the amount required. 
It is criminal how these loan servicing companies are managing over {$310000.00} of my daughters college debt and ruining my daughters ' credit rating. There is no one to escalate too who can address these recurring issues and no state board or legal entity to oversee these firms. MEFA is pillaging and plundering our children with loan shark terms and rates ( 7.9 % ). It is truly criminal how irresponsible MEFA and the loan servicing companies are with our youths future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc.
State: NJ

Complaint narrative:
Debt was paid XX/XX/18, letter from Business Revenue Systems , Inc. dated XX/XX/18 was received for a debt from XXXX XXXX XXXXXXXX XXXX, XXXX ( creditor ). I called Business Revenue Systems, Inc. on XX/XX/18, talked to XXXX and XXXX who refused to call or confirm with creditor this debt is paid and there is no outstanding balance. 

XX/XX/18 - I confirmed with XXXX @ XXXX XXXX XXXXXXXX XXXX, XXXX that debt is paid and my balance is XXXX. XXXX informed me Business Revenue Systems , Inc. has the ability to look up my account in their system which again, would show a XXXX balance.

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 2018-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
XX/XX/XXXX date of loan, amount was {$8300.00}, XXXX  XXXX, CA location sold a vehicle to me that was rusted underneath, I reported to them multiple problems such as passenger door opening up while car in motion. XXXX  repossessed the vehicle from my residence, and when I spoke to XXXX my account manager, he explained there was " nothing more for me to worry about, '' but on my credit report it states, " legally paid in full for less than the full balance ''! This is causing my current credit report to have a " potentially negative '' mark on it. I need them to remove this so I can apply and retain a apartment. I am presently living in my car. I suffered a small XXXX in XX/XX/XXXX and I need to be able to use my name to get the apartment.

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 2018-07-06 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: NY

Complaint narrative:
XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-NY- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX about this issue and they still wont remove these inquiries that wasnt authorized by 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 2018-07-06 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: NY

Complaint narrative:
XXXX-XX/XX/XXXX, XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-XXXX- XX/XX/XXXX , XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX   about this issue and they still wont remove these inquiries that wasnt authorized by 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 non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
FACTS : XX/XX/XXXX received 3 letters for Summit Funding The Home Loan Experts Each of the three letters were dated XX/XX/XXXX and stated my Loan had be transferred effective XX/XX/XXXX and my auto pay would no longer work. 
Each of three letters had the wrong address. 
My previous lender was Summit Funding Inc. and my new Lender is Summit Funding Inc. 

They cancelled my auto pay on the effective date of the transfer which was 15 days prior to letter dated on XX/XX/XXXX and 30 days before I received the letter in my hands. 

I called the numbers on the letter and I was transferred to collections [ I about died ], and they told me they have been calling me and sending me letters about my delinquency. I was absolutely floored. So I looked at their letters they sent in their new online portal and they were sending letter to an address I had prior to the address on the mortgage [ and address I had not lived at for over 6 years, and a different address from the letters received on XX/XX/XXXX ]. I asked when they called me and when they left a voicemail and customer service at Summit Lending said no one left me a voicemail. 

So I registered on their new online portal, and there is absolutely NO other information in there except a new loan number, and a balance due. No history of what happened with my loan being transferred, No payment history. Nothing. I honestly thought it was a fraud. Looking on that new portal I discovered the other Communication that was sent and it was all sent to the wrong addresses, 2 different sets of wrong addresses.

Customer care at Summit was great, however I have a total issue with the communication being delivered. I didn't receive anything from Summit Funding [ my original lender ] nor on their website that alerted me to a change in my mortgage, nothing ported me over and said on XX/XX/XXXX set up new payment on this site. Everything about this operation made me feel like they do not have their XXXX together. Most major companies port you over to the website to log in. 

My other complaint is, to the laymen, selling your loan from Summit Funding to Summit  Funding is highly confusing. Again it feels like you are being shistered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Total Card, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: TX

Complaint narrative:
I'm being charged for a medical bill for my son that has already been tooken care of, i recently contacted XXXX  about this matter and was told that the debt will remain because its my account that hasnt been paid which it has i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center
State: MD

Complaint narrative:
Received Important second notice about a fictitious {$16000.00} debt offering to reduce it to only {$8000.00}. Company is Debt Relief Center. Notice date XX/XX/18. Client Negotiations department XXXX XXXX. Its a threatening letter designed to intimidate and a scam to Separate me from my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: ME

Complaint narrative:
I applied for and got a credit card to repair my credit after I made the first payment I requested a payment date for which would work for me and I wouldn't have the problem I have now on my first request they said they would change the date of payment to be received because my ssa check wouldn't be available till then nothing happened and they started raising my interest and late charges so I called them again and and again it took about four month to finally get the date changed by now evary payment I have been paying all went to interest and late charges.i just could not get down to my regular payment now instead of helping my credit I lost almost 100 points because of this I just can't seem to get caught up with them because of their lack of costumer support .and now I am thinking about bankruptcy .this might be my only option.my credit score is so low now I can't see it getting back up there. this was a bad choise getting this card but I did it to raise my credit score not lower it .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 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Tried another bank company was verifying the ownership of my acct with capital one and it said that they as well as I was blocked from accessing my own acct with capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. 

They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
In XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  a company named Hunter Warfield which is a debt collector. I was sent back investigation completed and account was  verified. On XX/XX/XXXX I sent Hunter Warfield a certified letter asking for verification, this company has not sent back verification as of this date. The amount in question is XXXX. I am requesting this amount be removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are currently 2 negative accounts on me Experian Credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. 

I have disputed these accounts twice. Both times experian has verified these accounts via the XXXX electronic system. This is not a reasonable and thorough investigation. I have called experian multiple times and they have told me that they only verify accounts using the XXXX system. By FCRA laws Experian is not allowed to " parrot '' the information from creditors and they are not allowed to shift the burden to the consumer, which they have done by telling me to contact the consumer and ask for documentation and account verification. However I have called both of these creditors and on several occasions I was told they have no documentation or contracts regarding these accounts. I asked for something in writing stating this and I was told that I was on a recorded line and that was sufficient enough. 

How could either of these accounts be legally verified if I can call the creditor and they tell me that they have no documentation.

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