vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I received my second unsolicited and unwanted American Express credit card ( this card came at least with a return address on the envelope : XXXX XXXX XXXX, XXXX, NE XXXX ). Just the month before I had received the first American Express card AND a sheet of checks to get cash from credit, which totally appalled me! This 1st card had a much higher credit limit than the 2nd one received called XXXX Credit Card from American Express. Both of these unwanted, nor ever asked for credit cards were followed within a day or so by a letter from American Express containing my PIN numbers! I have never used a PIN # in my life. Any phone numbers provided by American Express were those to confirm/use these cards or to automated menus which gave me no relevant options to demand these cards and cash-back checks be stopped immediately! I surmised these financial assaults also included surveying my personal data from credit reporting companies without my consent. I resorted to destroying the first credit card and checks, which if misdelivered, as much of our other mail has been to the house just down the block with same house number, could have done copious mental and financial damage. I contacted consumer finance.gov which failed to send me the complaint form I requested for the first mailing and feel very violated and vulnerable as we have mail delivery/misdelivery problems in this very populated and unbridled-growth city of XXXX XXXX, Fl that we live in very close to downtown. We feel this unsolicited and irresponsible, predatory financial marketing is endangering our very good credit, as well as carelesssly exposing us to identity theft and financial liability. We do not owe anyone anything. We have paid off our mortgage, our cars and pay our XXXX credit cards off each month in full! We resent American Express and any other corporate predator endangering our privacy and financial security. Please help my husband and myself with this matter. Very sincerely, XXXX XXXX XXXX XXXX, Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello I have a business account with Chase bank. I have text messages or emails set up to notify me of a low balance. My balance was below 50.00, I normally get a message informing me of this issue and I immediately transfer money to prevent an overdraft. Well, for some reason Chase bank did not notify me and continued to pay my charges and charged me XXXX, 9 times. I feel they were intentionally trying to make money off of me. There is not a XXXX balance in fees. I went into the bank and spoke with a manager, XXXX XXXX, she also could not assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting agency. My first issue is I answered all the security questions to retrieve my report online and was unable to do so. I received a message they can not allow me to view my report at this time. I have an account reporting on my credit report that should be deleted. " XXXX XXXX XXXX ''. I spoke with corporate office in regards to this issue and was told months ago that it was agreed upon it will be deleted off my report. To date it is still reporting on XXXX which is causing me a major problem in obtaining substantial credit as it is affecting my credit score. I have been dealing with this for months now and it still has not been deleted. You are suppose to have 24 hour access to your report online however as I mentioned earlier XXXX will not allow me to view my report. I have contacted legal advise in regards to this issue in suing XXXX because they are not doing a proper investigation. If they did do a proper investigation the response they would receive would to be delete this account off my report. It was deleted off my other credit report. I am very fustrated with XXXX as they do not understand that this is my credit worthiness and it is causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Wrong banking info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: CO

Complaint narrative:
This company keeps calling for XXXX XXXX and XXXX XXXX XXXX XXXX. This is not either of them and I have told them that.

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 2017-07-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2017 I was charged {$500.00} and {$370.00} from XXXX XXXX XXXX in XXXX XXXX Florida and i disputed the charges. I disputed in terms of non received the service from the bussiness. After i filed the dispute Bank of America Denied it, the customer service reps were very rude and said that there is nothing they can do. They send me a denial letter of just two sentences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I use a company called XXXX for pay advances and they are telling me that you are not working with them to let them know the info needed to process my advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: NY

Complaint narrative:
I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent 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 non-monetary relief
Consumer complaint received 2017-07-22 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: TN

Complaint narrative:
Requested a forbearance from Navient on XX/XX/XXXX was instructed to make an XXXX dollar payment to enter into forbearance, on XX/XX/XXXX made the XXXX dollar payment and on XX/XX/XXXX I was issued a letter saying that I had n't made a payment. Called ( XXXX ) -XXXX upon receiving the letter, was told that my forbearance would be re-submitted and that I would remain in current status for my loan. I then made my student loan payment on XX/XX/XXXX and received an email on XX/XX/XXXX stating that I had n't made a payment. Once again I immediately called XXXX, once again I was told that there was no record of a forbearance but that my loan status was " current ''. Flash forward to today XX/XX/XXXX I received  a letter stating my student loan had n't been received. I verified that there is a charge payment to Navient from my checking account and now im publishing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # 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 explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.

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 2017-07-22 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: MA

Complaint narrative:
Last year I contacted the company about reduced payments due to financial hardship. I had been making my scheduled payments timely but in the month of XXXX of 2017 I had extenuating circumstances that prevented me from being able to make 2 payments. I called Navient and they were unwilling to help. I called again yesterday because I am now able to make the payments. I wanted to discuss with them the options about getting caught up given that I am 2 payments behind but ca n't pay them all at once. My credit report is being significantly affected and I am trying to correct the issue given that my employer could terminate my job due to my credit score dropping. The Navient rep was unwilling to help me- I asked about deferment or forbearance or capitalizing  the past due even if it resulted in a slightly higher payment, and the rep only responded with " sorry there is nothing that can be done '' even when I mentioned I could lose my job all together. At this point I feel like I have no options- I am trying to get caught up but the company is unwilling to help. This repayment is for a loan that was initially taken out with XXXX XXXX- they transferred to Navient- I had tried to work with XXXX XXXX as well because interest was capitalizing at a rate of 9.75 % and by the time I finished school the debt balance had doubled- then when it was transferred to Navient I had to start again with getting the loan looked at. Had I clearly understood what this loan was going to turn into I would have sought alternative solutions for paying for school. I appreciate any help in ensuring that the company is willing to work with someone who wants to repay the debt but needs a bit more flexibility. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: OH

Complaint narrative:
Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COOPER HEALTH SYSTEM
State: NJ

Complaint narrative:
C & H Collection Services Inc. located at : XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX I am a U.S. XXXX XXXX service member who was injured and seen at " XXXX University XXXX '' after the facility received full payment by a federal HMO they continued to file debt collection against me with C & H Collection after no less than six calls on my part promising resolution of the matter over the past 8 months. On XX/XX/XXXX C & H filed a {$960.00} collection fee against me which is simply extortion, I will be filing my complaint with law enforcement for hopeful resolution of this matter. Frankly, I am disappointed in the BBBs A+ rating for this firm which merely indicates they paid the advertisement fee for a better rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: NC

Complaint narrative:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

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 2017-07-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: NC

Complaint narrative:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

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