vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 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: TN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX where I was TOLD I qualified for a GRANT. My mother was with me and we qualified financially for the grant. Never was I told that I would be in debt for this amount of money. I was without a job or practically homeless at the time - there is no way I would have qualified for a loan of {$18000.00} dollars. The person that enrolled me hasn't been there for years. She absolutely told us it was a " XXXX XXXX '' that we would not have repay due to our financial situation at the time. For 10 or so years now I've been penalized for something that I did not have any knowledge of. It's time for this to be taken care of properly. This was fraudulent and presented with malice and absolute false representation by the admissions counselor at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Salliemae/Navient has ripped me off for over 10 years. They tried helping me by doing multiple forbearances to catc hup the payments I was behind on, but now I simplky cant afford it. I took out a $ XXXX loan in XXXX, now the balance is {$11000.00} and its XX/XX/XXXX. I understand there is a lawsuit against Navient for steering students and borrowers to do forbearances only to make the financial situation worse. I am struggling to make ends meet and want to try to find a way to either have this forgiven, or lower the monthly payment while actually bringing the loan down. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for an American Express Serve Card when filing my federal tax return through an online tax software called XXXX. The online advertisement for Serve states there is a {$1.00} monthly fee for the card which can be made by setting up a direct deposit of at least {$500.00} monthly. I applied for the card and had my tax refund of {$1200.00} sent to the card, the date of card application and deposit is XX/XX/2018. I received the card within 14 days of completing the online application. On the date I received the card, I arranged for a direct deposit of {$110.00} weekly ( {$110.00} x 52 weeks/12 = {$500.00} monthly ). 

On XX/XX/2018, I noticed a {$4.00} fee charged to my AMEX Serve account. Further research shows AMEX Serve charged me {$4.00} monthly for the entire time I've had this card. I called AMEX Serve on XX/XX/2018, in which I spoke to a customer service representative name XXXX. The phone call was placed at approximately XXXX XXXX on XX/XX/2018, to number XXXX. XXXX states, " I must make a monthly lump sum payment of {$500.00} to qualify for the no-fee months ; the system does not recognize weekly payments. '' I dispute that ; my first month I had a lump sum direct deposit of {$1200.00}, the computer charged me a {$4.00} fee that month. 


I followed the literature directions to avoid a monthly fee. AMEX Serve still charged me a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had my girlfriend help me with my finances i have XXXX XXXX in XXXX AZ she changed my direct deposit to her personal Chase bank in XXXX XXXX account I berly found out. now doesn't answer me and keep {$6000.00} XX/XX/2018 - Install of XXXX, XXXX - Tran ID DP XXXX - {$2700.00} XX/XX/2018 - Install of XXXX XXXX, XXXX - Tran ID DP XXXX - {$2500.00} XX/XX/2018 - Sale Advance XXXX, XXXX - Tran ID DP XXXX - {$800.00} Let me know if the bank needs a release date from my end - I'll be glad to talk to them if any other bank information is needed - good luck Mr. XXXX, hope bank can resolve the matter for you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a joint checking and savings account on XX/XX/2018. The offer at the time was for a {$400.00} bonus if I kept {$15000.00} combined in the accounts for 60 days, and the bonus would be credited to me within 90 days of time interval completion. This means the latest date the bonus should have been credited was XX/XX/XXXX. As of XX/XX/XXXX, no bonus has been credited. I have contacted Citibank on XX/XX/XXXX to check on the issue and I was promised that the bonus would be credited by XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again because the bonus was still not credited. A case was opened on my behalf and I was assured that I would have a response within 2 business days. I received no communication from the bank regarding this issue in those days. I contacted Citi again on XX/XX/XXXX, and was told that the case was received and established that I was eligible for the bonus, and that the bonus would be credited to me within 3 business days. 3 business days have since passed, and no bonus is pending or posted to my account. I feel I have been very patient with this issue and I am extremely dissatisfied with Citibank regarding the process.

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 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have been a Navient customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from Navient about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called Navient repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. Navient had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through Navient and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for Navient to contact them and I have tried to contact Navient but feel I am stuck exactly where Navient wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
i bought used car and car financing center in XXXX said come back in 6 months to refinance if i made my payments on time. when i did, he kept putting me off and then offered me to buy a bigger car. when i did, it broke down ( I now believe that he stopped the car because he did not like the deal ). he gave me my other car back ( I thought while the other car was being fixed ) and would not give me back the bigger car. then the first car that i bought broke down. he took it from the shop i left it at and repaired it without my permission. i reported this to XXXX. there is a starter stopper and GPS in my car that i did not know about or consent to. but yet credit acceptance corporation sent me a copy when i asked for one that is a declaration acknowledging electronic signature that i never saw or signed. my name is forged! the finance company has no problem with this dealer selling cars that are about to break down and then use the warranty to fix the cars instead of fixing the cars first. the dealer did not give a copy of the warranty either. the dealer had me " buy here, pay here '' and paid my payment late when i asked about refinancing. i asked finance company why they take the payments from the dealer. they said that they did not know who wired the payment. the dealer also keeps a key of the car. i am afraid that the car will not make it to the end of my loan and warranty is up soon. i do not know what else they forged my name on! help!

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 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I went through a rather opaque process of trying to increase my spending power for my American Express card for a family trip I am planning in XX/XX/2018. The online chat agent was very helpful and told me to call the Account Services phone number. When I called them, the agent there was very friendly as well but gave no specific reasons as to why they couldn't increase the limit. He mentioned that it will increase from time to time, but it's been 18 months of good standing and I still don't have any more clarity into actionable reasons as to why they can't increase the limit. It's forced me to pay intramonth, which is more an inconvenience than anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, I applied for the Amex Everyday Credit Card online on americanexpress.com. Prior to applying i reviewed the offer online along with it its terms, conditions and limitations. The promotional offer for new members on purchases and balance transfers was 0 % apr for 15 months with 0 % balance transfer transaction fee. This was a good offer since I wanted to do a balance transfer of {$15000.00}. I applied and was approved for the card with a credit limit of {$25000.00}. 

I called in to take advantage of the Balance transfer offer. I was then told by a representative that there is a limit on the balance transfer of the lesser of {$7500.00} or approved credit limit. In this case it was {$7500.00}. This information was not disclosed anywhere nor can it be found on card members agreement prior to applying. In this case is {$25000.00}. I demanded to speak to a manager. I read to the Manager the terms & conditions along with card members agreement in writing stated that balance transfers maximum is upto your credit limit. The manager stated, " You can only find this information after you have applied ''. This is false advertising and extremely misleading. They purposely left out information. If I had known this information I would not have applied for this card and take a credit inquiry. I would have taken my business to another financial institution. 

When I received the card, i noticed that it stated that the " Promotions 0 % APR '' is only for 12 months. This is not what I applied for. I called and the representative stated that I knew this information when I was applying for the card. I have the Rates, fees along with the terms of conditions on the date I applied for the card that specifies 15 months 0 % Intro APR. They could not resolve this. American Express is offers this introductory APR of 0 % for 15 months standard for this card. They could not admit that their system had an error. I have documents to prove they have advertised falsely and misled me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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:
I am having trouble dispute payment with Chase bank, they refuse to dispute invalid charges even after I submit enough proof. They keep ignoring the evidence I provided and can not give me any reasons why they only trust words from merchants. I strongly doubt their dispute process. 

Date : XX/XX/2018 amounts : {$3200.00} I booked 2 tickets from XXXX   XXXX XXXX to XXXX XXXX on XX/XX/2018 on XXXX. The booking page shows those tickets can be canceled for free within 24 hours. I am using my chase sapphire preferred credit card. 

I canceled those ticket within 24 hours on XXXX because I found better tickets from XXXX XXXX. But later, I found the charge is still on my card. I contacted XXXX, they are not able to resolve it and they suggest me to dispute those charges. 

I submitted dispute requests to JP Morgen chase bank XX/XX/2018. They contacted me later state XXXX sent them proof those tickets are non-refundable. I send the confirmation page when I book those tickets, which clearly state those tickets can be canceled for free in 24 hours in bold and green font at top of the page. 

Chase replied that there are small lines at the bottom states those tickets are not refundable. Then I contacted XXXX and XXXX confirmed that means I can cancel those ticket within 24 hours and after 24 hours non-refundable policy applies. I sent those  communication histories to chase. I also sent them the rule published by Department of Transportation which requires agent and airlines issue tickets that can be canceled within 24 hours. 

After I provided all those solid proof, XXXX XXXX from chase card service called me and still refuse to admit those tickets are cancelable in 24 hours. I asked those pieces of evidence I send does not change their mind they can not give me an answer. I also asked them what other info they need to prove my point. They can not answer. 

This whole process I went through is a huge waste of my time. They just want to use their excuse to stop the dispute regardless what I have provided. If that's their dispute process, I don't see any reason it should be their since they simply trust the merchant and ignore what customer states.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ABILITY RECOVERY SER Account Number : XXXX Date : XX/XX/2016 Amount : {$1700.00}

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 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I called and the representative said that this debt was from an emergency room visit. I have never visited the emergency room ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all  equipment returned and services paid for ) as we switched to another provider. 
We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. 
Now a collection account shows on our account. 

HELP ... this is coming us a mortgage. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

NATIONAL CREDIT SYST Account NumberXXXX Collection Account

Company response to consumer: Closed with explanation