vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I attempted to contact Navient by logging onto my ( secure ) Navient account and sending inquiry via their email system. My inquiry : " Good morning. My account number is XXXX. My balance is now above {$30000.00}. I am going to start repaying soon. I request that my loans be changed to the Extended Repayment Plan and to be notified of how much the monthly payment will be for each loan. Thank you. '' After 4 days, Navient did not acknowledge nor respond to inquiry. 

So, I sent a copy of my inquiry via regular email, to CustomerService@navient.com. 

Navient 's ( automated ) response : " Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction. 
For more information about this error, see DSN code 5.7.1 in Exchange Online - XXXX XXXX. '' On XXXX, a borrower can switch repayment plans on the website - so easy. Navient doesn't even display or disclose which repayment plan your loans are currently on. 

Worse : Navient won't respond to inquiries!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: UPGRADE, INC.
State: CA

Complaint narrative:
My account was reported late on my credit report. My loan payments have been deferred due to the Woolsey fires here in XXXX XXXX Ca. This should not be reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: NJ

Complaint narrative:
On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my Transunion and XXXX  report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Equifax and XXXX Consumer reporting agencies regarding two accounts ( XXXX XXXX & XXXX XXXX ) that still remain on my credit report which were established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. XXXX XXXX also has been removed and blocked from my XXXX Credit Report. I've sent both Equifax and XXXX  Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Equifax and XXXX  to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account appears to have been opened up fraudulently.

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 2019-01-08 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: TX

Complaint narrative:
I have a inquiry from XXXX XXXX that was not authorized from me. I have cell service with XXXX  and always had. I have contacted XXXX and they stated they would remove it. It has been over 2 months since I spoke with them and the inquiry still remains. I also contacted the Equifax and no help there. Please advise on what can be done to get this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have/had a Bank of America credit card. I was making monthly payments ( auto payment ) on time and had not missed a payment since starting with the company in XXXX. Approximately six months ago the percentage rate change and I was unaware of the change. I was finally made aware, by letter, that I was delinquent. I immediately payed the late charges. Bank of America closed the account. On XX/XX/XXXX, I attempted to pay the full amount of the balance using a routing number. The amount was roughly {$11000.00}. I was sent a confirmation number for the payment that same day via email. The payment was due on XX/XX/XXXX. On XXXX XXXX, XXXX, my wife informed me that she had not seen the moneys withdrawn from the account. I contacted Bank of America by phone to determine what had happened. I was told that the routing number had an extra 0 in it, so the payment was not processed. I asked why I was not sent notification by email. I was told that they only send notifications by mail. I then paid the balance of the account minus a {$38.00} dollar late fee, because I believed that the late fee was a predator practice by the bank. The customer service rep was not able to remove the late fee at the time, since it was so new. I called back a few days later to dipute the late fee and was told that, because of my history ( late  payment from the interest perecetage change ) they could not remove the late fee. Wanting to close the account, I paid the {$38.00} late fee that had now turned into a {$170.00} fee. I paid the {$170.00} confirming that this was a pay off amount and the account would be at XXXX balance. I received the letter that the XX/XX/XXXX payment did not go through on XX/XX/XXXX. On XX/XX/XXXX, I found out that I had a {$1.00} balance. On XX/XX/XXXX, I contacted Bank of America by phone and paid the {$1.00} balance. I asked the customer service rep to confirm that this amount was the full pay off amount. I informed that customer service rep that she was being recorded. She did confirm that this amount was the pay off amount. The account is closed.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So around XX/XX/2018 i deposited {$500.00} in cash and a check of {$2500.00} at a Chase ATM. 

First I put in the check, then the cash and the ATM said there was an error so it didnt print a receipt, nor was the cash and check dispensed back to me. 
I decided to check my Chase app and didnt see any of the deposits, instantly parked and went inside to file a claim with the manager. 
After a few days, they reported that the technician found the check and it was deposited correctly but that there wasnt {$500.00} in surplus so they didnt credit my account. 

I know for a fact I had deposited the {$500.00} in cash, so the ATM May have spat out the money afterwards. I requested to view the ATM footage so that they could see me physically inserting the money into the ATM and they said they couldnt show it to me. 

My claim with Chase was # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Transunion Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from Transunion Credit Report. XXXX XXXX also has since been removed and blocked from my XXXX  Credit Report. I've sent Transunion Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect XXXX and Transunion to adhere to the Fair Credit Reporting Act by immediately removing these accounts from 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 2019-01-08 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: Credit Central Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XX/XX/XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: NJ

Complaint narrative:
On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my XXXX  and Equifax report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: CA

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX I placed an Internet order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then placed an order for XXXX XXXX  lenses prescribed by my eye doctor at XXXX XXXX. My eye doctors clinic did not have the frames I liked so I placed my order with XXXX XXXX   XXXX  online. I sent a copy of my prescription as requested by XXXXXXXX XXXX XXXX and they processed my order. 

The frames were charged on my card for {$100.00} separately on XX/XX/XXXX. I was then charged 2 split charges for the lenses On XX/XX/XXXX {$94.00} and on XX/XX/XXXX {$94.00}. The glasses were shipped XX/XX/XXXX and received on XX/XX/XXXX. When I unpackaged the glasses and put them on they were blurry when I looked in the distance but the reading part was ok. When I dipped my head down I could see in the distance. I contacted XXXX XXXX XXXX and spoke to XXXX and he instructed me to wear the glasses for 1-2 weeks to get used to the prescription. My eye Doctor gave me the same instructions. After 1 weeks I could not handle the dizziness or headaches. I was in my local XXXX on XX/XX/XXXX and they were kind enough to place the glasses in their machine which measures the progression of the lenses. The technician stated these were the worst lenses they had ever seen. XXXX and I at XXXX called XXXX XXXX XXXX and spoke with XXXX explaining the situation. He stated return the glasses unworn for a full inspection and they would issue a refund. XXXX and I both stated that is impossible the glasses have been worn since XXXX directed me to wear them for 1-2 weeks in order to get used to the progressive prescription. I then had XXXX make me a new set of lenses since we realized they were not going to help me so I was charged {$180.00} at XXXX to order new lenses. 

I then went round and round on the phone and many emails on XX/XX/XXXX & XXXX, XXXX which I have attached all receipts, delivery confirmation, prescription, and the new receipt from XXXX with pictures of how bad the lenses were. XXXX XXXX XXXX never went over a return policy with me and it was apparent they would take them back but then I would no longer have my frames and lenses and have been charged {$290.00}. They had already screwed up the lenses so bad I was not willing to lose my money and glasses to these crooks. I told them I would send the lenses back so they could inspect them and they said no so I contacted Bank of America for assistance.

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 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
An escrow account was created even though I have responded to and included all the info that was needed when the company sent it's original letter which was in XX/XX/XXXX. 

My monthly mortgage payment increased from {$1000.00}. to {$1200.00}. per month without my knowledge for the XX/XX/XXXX payment. 

After one hour on the phone I was assured the problem was solved and a refund check would be issued within ten business days. This was in the middle of XX/XX/XXXX. I am still waiting for the check. 

The mortgage amount taken in XX/XX/XXXX was still {$1200.00}. Calling the company for the third time, on XX/XX/XXXX, I was on the phone for another hour and I hung up in discuss after being left on hold forever. Several hours later, I got in touch with a supervisor who stated she would return my call by the end of the day on XX/XX/XXXX. I sent an email which was not answered by supervisor on Fri. XX/XX/XXXX On XX/XX/XXXX, another email was sent to the supervisor basically saying I was no longer paying the mortgage until I get a solution from the supervisor. She sent an email back to me apologizing profusely and saying she call with a solution as soon as the escrow dept. got back to her. I t is now, XXXX XXXX  on XX/XX/XXXX. I have heard nothing even though the supervisor said she had all the paperwork she needed from me. Supervisor name-XXXX   XXXX Phone # XXXX or XXXX. email address- 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 2019-01-08 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TDbank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  credit report XX/XX/2018. A formal dispute of this inquiry was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has not replied to that dispute with the outcome of their investigation. A reply is required under the FCRA and the data of that inquiry is to be removed once it is known to be fraudulent related activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is an account showing on my XXXX  from LVNV Funding that I don't believe is mine. I would like this company to send me a copy of the agreement or contract I supposedly signed. I believe this was something an old roommate may have signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: NJ

Complaint narrative:
After submitting proof of payment to Transunion several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in XX/XX/2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached

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 2019-01-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the past several months Capital One has billed my account for a XXXX subscription that I did not open or authorize. Even though I have repeatedly called, nothing was done to stop the charges. Finally, in XX/XX/XXXX, a merchant block was put on my account and I was " guaranteed '' no more charges from XXXX would be allowed. Each month I've had to call and cancel my card, get a new card and activate a new account. Now in XX/XX/XXXX I see that on XX/XX/XXXX, another charge from XXXX was allowed on my account. A supervisor from Capital One, XXXX # XXXX, stated that Mastercard is pushing the charge thru my account even though there is a merchant block on it. I feel that Capital One should contact Mastercard on behalf of their customers and let them know not to push through a charge that has repeatedly been disputed. It is a hassle to sit on the phone for several minutes ; this particular call I am currently on is at 36 minutes and still going. At this point, we are currently on a call with XXXX on a very long hold for a supervisor because XXXX can not even find an account related to my credit card number or past numbers. While XXXX and I waited and waited on hold with XXXX for a supervisor, when the rep told us he would transfer us, he actually disconnected us instead. There should be better protection for credit card customers than to have this type of hassle. I am closing my account to ensure no further charges since we could not resolve this issue with XXXX. XXXX did say at my request that she would forward this issue to Mastercard in hopes that customers receive better customer service.

Company response to consumer: Closed with explanation