vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for Student Loan Debt forgiveness program with the XXXX XXXX XXXX XXXX company and was advised that they could cut my payments down to just under $ 300/monthly for the next 10 years and then the loan would be forgiven. All I had to do was submit a couple of payments in the amount of {$180.00} for the representative to contact Navient and get me enrolled into the program. I called the representative as requested and I have yet to hear back and always receive his voicemail when I call. I would like to recover my payments and charge this company with consumer fraud. This was the last email I received from them on XXXX XXXX, 2017 : HELLO XXXX, This email is to advise you that I have submitted to NAVIENT Servicing your REPAYE application and your paystubs. I will monitor everything here in our office but ask that you contact me directly by telephone on XXXX XXXX, 2017. to  complete a conference call to NAVIENT Servicing. I will speak to them on your behalf and we will confirm that you are either at the last stage of your process or if it has already completed. IF YOU HAVE RECEIVED CORRESPONDENCE CONFIRMING REPAYMENT PLAN CHANGE HAS COMPLETED then we will not need to complete conference call. You can contact me directly to review correspondence with you. If you HAVE NOT received correspondence confirming completion of your repayment plan change by the scheduled date above, then please call me directly. You can contact me anytime during the day if my voicemail comes on it is most likely because I am on the other line with another client just leave me a voice message and I will contact you back as soon as I am available. Thank you and have a wonderful day. <P/>XXXX XXXX Senior Case Manager XXXX XXXX XXXX XXXX Main XXXX Ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: MI

Complaint narrative:
Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received notification and a refund check for {$4900.00} from Citi Mortgage in XX/XX/XXXX with an explanation that the refund was a function of not getting the benefit of a interest rate reduction ( at origination in XX/XX/XXXX) given the overall relationship I had with the bank. In subsequent discussions with the customer service dept., I understand that I should have benefitted with a XXXXbps reduction ( 2.75 % vs 3 % ) on the mortgage. The rate is fixed for the first 10yrs ( untilXX/XX/XXXX ) and floats thereafter for the remaining life of the mortgage. When I asked how they arrived at the figure of {$4900.00} I was informed that they took the initial principle ( XXXX XXXX ) and applied the XXXXbps for the first 5 years ( {$390.00} x XXXXbps XXXX ). While I appreciate that there has been amortization on the loan ( to $ XXXX ) and they paid on amount w/o considering amortization, I believe they should pay on the 10 year fixed period as I would benefit by a lower interest rate for an additional 5 years if the correct interest rate ( 2.75 % ) was used at origination. When I asked if I could appeal this decision as to the time period used for reimbursement they said I could not and referred me to CFPB. I still have a extensive relationship with Citibank so was very disappointed that they took they position. Obviously, I am happy that an internal Citi audit uncovered this initial mistake but I believe they have fell short in turn of a fair reimbursement for the period where I should enjoy an interest rate reduction

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 2017-06-05 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: MI

Complaint narrative:
There are  XXXX  inquiries on my credit report that I did not authorize. Before any credit is issue I am suppose to receive a phone call and still have not. I am a victim of identity theft and need these inquiries removed.  XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX   XXXX / XXXX /  XXXX  ,    XXXX   XXXX   XXXX     XXXX   XXXX ,   XXXX  , &   XXXX   XXXX    XXXX / XXXX /  XXXX   It shows up   XXXX   only suppose to be on there  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 2017-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how th is happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the a ttachment for one o f The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
My problem is with  my Discover card. For 12 years I have been charged a Payment Protection Plan fee which I NEVER signed up for. According to Discover, I approved their payment protection product sometime in 2005, but they are unable to provide proof of my approval, and I know I did not approve this ongoing monthly charge. They have offered to credit me back for six months worth of charges, but the truth is, since they placed this program on my account without authorization, I 've been charged well over the {$2500.00} credit limit in fees and accrued interest ( on fees ). They claim they have done their " due diligence '' by sending me   bi-annual correspondence, but I have not seen this, nor have I positively affirmed my desire to be a part of this program ( ever )!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Do not know anything about collection however it has been placed on my credit reports without proper notification or verification

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

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 2017-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

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 2017-06-05 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: IL

Complaint narrative:
CRA in direct violation of fdcpa, fcra, state and federal laws concerning consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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 have contacted  XXXX  and Equifax for quite awhile but have had the same problem   XXXX    and Equifax will not add that I have   XXXX   XXXX   XXXX   on my account. They keep updating information from  XXXX  even though  XXXX  was paid off and  XXXX  balance.  XXXX   XXXX   XXXX  has contacted them but they keep insisted that they keep  XXXX  on even though it have been 7 years that I have had  XXXX  on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only   XXXX   XXXX   XXXX   and to remove  XXXX  and   XXXX   XXXX   of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: FL

Complaint narrative:
After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the  XXXX  public records.   I then wrote to th e CEO 's  of the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, subse quently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.

Company response to consumer: Closed with non-monetary relief