vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
I am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NJ

Complaint narrative:
While I was traveling through XXXX, I stayed in XXXX for 3 days. 
On the night of XX/XX/2018 my card was charged several times for items I did not purchase. 

XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX I filed a dispute with Chase Bank regarding these charges which was not approved. So I filed a 2nd dispute which was also declined. The only information we were able to receive on how these decisions were made are a few receipts with chicken scratch signatures that not only do not look like my signature but look like random scribbles. I asked if they would send a report on how they came to their decisions to which they said they would be sending one in the mail. I never received any sort of report for any charge and am left assuming that they declined the disputes based on the signatures provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I went to the dispute resolution center to file a claim about a transaction from a fraud merchant. I was sold a product with no box that was defective and full price. The merchant scammed me which is appalling considering it was a business in XXXX XXXX airport. My credit union did little to nothing to investigate the company or the dispute and simply said they could not help me any further which is untrue and very complacent for an establishment that I trust my money with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: NV

Complaint narrative:
I received a call and letter from a company trying to collect a debt from me, originating from a company named " XXXX XXXX XXXX ''. I have never had nor entertained a home security system, however somehow, this company had my social security number, name and apparently ... forged my signature to complete a loan for someone other than me in a completely different state. Even though I stated to them on the phone that this is obvious fraud, they have reported to my credit reporting agencies and this is still unresolved. The company collecting this debt treated me very poorly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: GA

Complaint narrative:
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- XXXX- Experian if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both XXXX  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX   XXXX  {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Central States Recovery, Inc.
State: TX

Complaint narrative:
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas Area XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX 3 XX/XX/XXXX/XX/XX/XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both Feet  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 XXXX XXXX XXXX XXXX XXXX {$1500.00} 2 Central States {$190.00} 3 Central States {$610.00} 4 Central States {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of XXXX XXXX XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was  {$500.00}, Not {$1800.00} Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: ME

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. 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 XXXX and XXXX XXXX XXXX XXXX once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I can't access my Wells Fargo checking account. I have two credit card bills due this week, and I want to pay my mortgage.

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 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I called Bank of America as I noticed I was being charged a $ XXXX   monthly maintenance fee on my personal checking account. The customer service rep advised that the fee was correct based on the type of account I had. He then retracted his statement to say that he provided the wrong information in error as they were using a new tool called XXXX XXXX. He then stated that based on the product I have theres certain criteria and thresholds to help avoid fees. One of the criteria was to maintain at least a {$2000.00} average daily balance in my savings account. There was several months of which I met this criteria, however Ive continued to be accessed with this {$14.00} fee for several years. The customer service rep proceeded to advise me that since I was just notifying them of the error that there was nothing I could do to be refunded for the bank error. I asked to speak with a supervisor and the representative advised that the only option was to request a callback. After insisting that a callback was not acceptable, the customer service rep returned to the call and stated I had the option to wait on a supervisor but the industry has moved away from that option asa whole. I then spoke with a supervisor after being on the phone for approximately 1 hour. My conversation with XXXX XXXX ( supervisor )  lasted for another hour. She assured me that the bank doesnt make errors and that I had not met the criteria. I requested that she pull my monthly statements as I was currently looking at them on the BOA app and it showed I had met the criteria for multiple months. She then downloaded the statements to see that I was correct. She placed me on hold and returned to agree to waive 6 months worth of fees as I had met the criteria however she advised it was still my error as my accounts werent linked based on a solutions based option that would have been offered to me years ago. I asked when was this offered and she stated the bank doesnt keep any documentation beyond 7 years. She then proceeded to say that I must dispute any fee errors within 60 fats of the errror and that they would only go back 1 year. I asked since I have fees in error dating back for more than 1 year, what could I do for a solution? She advised they dont go over internal bank policy with the customer so there was nothing she could do further.

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 2019-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau XXXX How can it be verified by Transunion- XXXX- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: GA

Complaint narrative:
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- Equifax- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: AES/PHEAA
State: FL

Complaint narrative:
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested documentation from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I bought a used XXXX XXXX XXXX machine for {$1800.00} on XXXX. The buyer offered the machine in excellent condition. When I received it, I spent a few months to complete the necessary equipment to start this machine. When I started it, it turned out that there is a mechanical problem and this machine could not be run by a computer. I bought three computers and cables, tested them and could not do anything. When I contacted the XXXX branch in Texas, they told me that this machine is old, components are no longer manufactured and it is not possible to repair it. 

This seller promised me a refund if this machine will be not working. I made the return of this machine on XXXX, he had money blocked, he asked me to unblock the account, and if machine will be not work, he will give me back the money. I helped him, his XXXX account was unblocked. When I wrote to him that I have no chance to repair this machine, he ignored my messages. 

I demanded from the seller to pay for the shipment of this machine from his house to me and forward for the return. I do not believe him and I can not risk any further losses. This machine takes up a lot of space and I want to get rid of it. 

Because of his lies and deception, I lost several times as much as I paid him. 

I asked the bank for help. I sent evidence of lies and deception. The bank gave me back {$1800.00}, but in a few days he took all the money back and gave it to the cheater. 

This is not the first time. When I set up an account with them many years ago, they did the same. They believed the crook, and I lost {$550.00}, even I had evidence of fraud on paper. They demanded telephone calls from me, because it is company condition. I asked them that my XXXX was weak and that the documents should be enough. Lady from Chase bank customer service spoke with me, but they believed the liar. XXXX the good XXXX spiking person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: ME

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. 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 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 2019-02-07 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: ME

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE. NAVY FCU DOES NOT HAVE MY SIGNATURE ON ANY DOCUMENTS OR PROMISARY NOTE EITHER! I DID NOT AUTHORIZE THIS ACCOUNT AND THIS IS MY THIRD AND FINAL ATTEMPT TO HAVE THIS ACCOUT REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
they seem to be taking more money than there supposed to.Im on hold now for 15 minutes they wont give me my escrow numbers for past 7 years so I can see. all they tell me is your taxes keep going up.They say we'll call u back and they don't.

Company response to consumer: Closed with explanation