vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.

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 2018-03-12 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD 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 explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... 
XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services ( XXXX XXXX XXXX and XXXX XXXX ). These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: NJ

Complaint narrative:
AFTER LOOKING AT MY CREDIT REPORT I NOTICED A BANKRUPTCY THAT WAS PUT ON MY CREDIT REPORT IN ERROR. I DISPUTED IT. 

EQUIFAX STATED THAT THEY VERIFIED IT ON FED XX/XX/XXXX THIS NOT CORRECT. I OPTED OUT OF XXXX XXXX XXXX ON XX/XX/XXXX. THEY HAVE ERRONEOUS INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. 

Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had lost my wallet back in XX/XX/XXXX. I called for a replacement card from Citibank. My bill was due and I was locked out of my online account. I could not activate my account until I received the new card ( I was told this by customer service ). A month now goes by, and I still have not received a card. Now I am aware my bill is now passed due. I called customer service again. They again " sent '' out a card. 

As of today, XX/XX/XXXX. I still have not received a new card and am now in collections because I have no way of accessing my account. This is damaging my credit score.  Oddly enough, Citibank easily sent me a collections notice, but no card. This is now 5 months without a credit 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 monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a long-time checking/savings account holder with Fifth Third. On XX/XX/XXXX, my wife and I applied for a conventional mortgage loan to purchase a new house through Fifth Third. My original Mortgage Loan Officer was XXXX XXXX ( NMLS # XXXX ). XXXX provided a pre-qualification letter and assigned the loan to a Mortgage Processor, XXXX XXXX ( NMLS # XXXX ). 

XXXX, who was rude and unprofessional throughout the process, asked me to provide numerous documents, which I did without question and without delay. One of the documents XXXX asked me to provide was a copy of my home inspection. XXXX failed to inform me that I was not required to provide a copy of the inspection, failed to inform me that, if I did provide a copy of the inspection, that I would be required to rectify certain items on the inspection report, and failed to inform me that I would be required to pay for such rectification. In fact, XXXX failed to inform me of anything - she simply asked me for a copy of the report, which I provided. 

On XX/XX/XXXX, XXXX informed me that I would have to make certain repairs to the home ( which I do not yet own ), that I would have to hire a contractor to complete these repairs, and that these repairs would need to be completed prior to the closing date of XX/XX/XXXX ( a mere 20 days later ) in order for Fifth Third to approve the loan. 

The following day, I called both XXXX and XXXX to complain about what had transpired. XXXX admitted to me that XXXX should not have asked me for a copy of my inspection and that XXXX should have advised me of what would happen if I did provide a copy. XXXX then offered a potential resolution - there would be an escrow hold-over of an amount to be determined ; once I completed the repairs myself, I could provide proof of the same and the hold-over funds would be released. I agreed to this compromise. 

On XX/XX/XXXX, XXXX called me to inform me that the compromise we discussed on XX/XX/XXXX was not possible and that I would have to complete the repairs prior to closing. Considering that I do not own the home in question and that I have already negotiated the contract with the seller, this is simply not possible. 

I am now forced to find another lender at the last minute in order to avoid losing the home my wife and I wish to purchase. 

Fifth Third in general and XXXX and XXXX, in particular, have gone out of their way to attempt to ruin my purchase of a new home. Fifth Third should be ashamed of how it has treated a long-time customer. XXXX and XXXX should be stripped of their licenses to ensure that they do not have the opportunity to ruin another couple 's future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In order for my cousin XXXX XXXX to received needed XXXX XXXX ( XXXX ) the dentist office offered a card called CareCredit issued by GE Capitol Retail Bank. My cousin had very poor credit so I cosigned a form which showed a " credit line of {$3300.00} '' ( see attached ). The account number was XXXX. The card was granted and my cousin had the work performed on her XXXX. Months went by and I received a call from CareCredit/XXXXXXXX XXXX telling me that my cousin had missed a payment. I asked about the balance of the card and I was told it was over {$10000.00}. I paid the past payment and I asked why the balance had gotten so high without my authorization. I was told that since my cousin was the primary card holder, she could increase the credit line without my authorization. I was told this was in the Ts & Cs.

If the credit of the primary cardholder is so poor they needed a co-signer, why in the heck would the bank not included the co -- signer authorization when increasing the credit limit.

I later asked for a copy of the Ts & Ss and I received a letter from XXXX XXXX ( see attached ) that since my form was 'taken electronically '' that a paper copy was not available. I was planning on fighting them but that would result in my credit history being damaged. Due to an interest rate of over 30 % I finally paid off the balance and my cousin is paying me back. I recently found out that I have a ding on my credit report from XXXX XXXX for a late payment. 

How in the heck can banks operate like this? First they provide false information, do not provide the required paperwork and then submit a late payment on my credit report.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/2018, I contacted XXXX XXXXXXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have signed up for a loan forgiveness program. However I am starting to believe this may be a scam. The company in which I have signed up with is called XXXX XXXX XXXX. When I try to contact the individual in which I spoke to originally, there is no way to contact him. There is an official website XXXX XXXX   XXXX This company is charging a fee of $ XXXXmonthly for 24 consecutive months. I was informed that a company should never charge a fee to enroll into a loan forgiveness program. Payments are taken directly out of my account to a company called XXXX XXXX XXXX. Account # XXXX. 

Contact information that I was given initially is XXXX XXXX | Enrollment Advisor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Direct Line XXXX | Fax XXXX Visit us at XXXX The contact number for this company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL starting in 2001. They stated they were fully accredited and a high ranking school. After my first attempt at completing my XXXX degree, they changed the curriculum and made me take more courses stating the ones I had taken were no longer worth as many credit hours. I did so for a half a semester but could not afford the $ XXXX-month payments on top of my student loans so I was forced to leave school. I have since tried to get my official transcripts for the time I attended several times with no results. Now I find that they are no longer in business and have had multiple lawsuits against them as being a scam of a school. Now Naviant is after me to repay all the student loans on classes that were not beneficial to any career path. I would appreciate some guidance on how to proceed on getting these loans dropped due to misrepresentation of the school and the worthlessness of the class I was asked to take by a nonqulified teaching staff. Thank You in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018, I contacted XXXX XXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!

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 2018-03-12 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:
Please remove the following unauthorized inquiries from my Transunion credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have never missed a payment or been late with any of my credit cards. I have never been late with a payment to Bank of America.

Bank of America closed my account. I had XXXX points saved up that I had earned in the account.

Bank of America will not credit my account the points that I had earned.

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 2018-03-12 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: CA

Complaint narrative:
I received XXXX Chase credit card with annual membership fee of {$450.00}. The card was stolen from my purse ( perhaps work of my house cleaners ) and fraudulently charged. I reported to Chase Credit Card Fraud department immediately, after investigating the incident Chase credited my account back and closed the Credit Card. However, the membership fee was never credited and up until today Chase is showing that I still owe membership fee plus late charges of {$490.00}, on the closed account. Chase has reported to credit bureaus over 60- days late and damaged my 20 plus years of credit history with no late ever reported ....

I have made several attempts to resolve this issue directly with Chase Credit Card customer service and their billing department and so far every agent that I have spoke with gave me run-a-round and promising answer - but with not resolution to resolve the issue. My problem is to understand - why I have to be responsible for membership fee if I never used the card, never. Chase bank closed the account after the fraud resolution, but they are still making me responsible for membership fee on the closed card.

I am asking for help in resolving this matter, to fully credit my credit card balance on Account Number : XXXX XXXX XXXX XXXX, and report the credit bureaus to correct the reported late payments on this card ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like it ''.

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 2018-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
For the months of XX/XX/XXXX and XX/XX/XXXX I attempted to pay my mortgage via phone. I went through all the steps necessary to pay by phone for the XX/XX/XXXX payment. I even got a confirmation number and an email telling me my payment was received. A few days later i went to check my account balance and I learned that the XX/XX/XXXX payment was rejected because PennyMac gave the wrong name of the account holder. My mother used to be on the mortgage but she passed away in XX/XX/XXXX. PennyMac used her name to get paid by my bank. I was forced to take a day off to fix the situation. Despite telling PennyMac on numerous occasions to take her name off the new mortgage they have not done so. Again the same thing happened when I went to pay the XX/XX/XXXX mortgage.

I was able to pay the mortgage until the recession of XX/XX/XXXX. I went through a NIGHTMARE to get PennyMac to modify my mortgage. The law firm they hired gave me XXXX. They also told CT bar to spread the word to attorneys not to take on my case because i was a dead beat debtor. i was stupid enough to seek assistance from a Congressman 's office. They offered no help and may have revealed my financial information to my neighbors who kindly told me I was bankrupt and they wanted to buy my property. I survived this XXXX and PennyMac is still engaging in all kinds of violations of the FDCA. Apparently, they are purposely using my mother 's name so they can find out if I have a cell phone so they can tell the police. Please see attached documents to understand police involvement.

Company response to consumer: Closed with explanation