vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.

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 2017-03-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes issued me a credit card last XXXX 2016 and their customer service calls claim I am not current on my account. I recieve calls from Ohio and the XXXX on SUNDAYS AND HOLIDAYS. i HAVE NEVER BEEN DELIQUENT ON MY ACCOUNT.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had a loan through XXXX ( now Navient ) and they pushed me towards deferment when I could not pay my entire payments. This nearly DOUBLED my actual loan cost post-graduation. I researched income-driven repayments and had to climb MANY hurdles to get there, both online and on the phone with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I do n't understand why I am still paying for a student loan when the school closed. I was told if I did not continue they would garnish my payroll check or take my taxes. My loan is through Navient Department of Education Loan Servicing. I already have other student loans I am paying back but would like for them to take off the one from XXXX. I hear they have changed their name to XXXX. I was enrolled in XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have applied for a home loan at chase on my rental property which is fully paid off. I was approved for this loan and submitted the paperwork required. I started this process in XXXX and they took out {$600.00} for appraisal fees on the property. The property was appraised for over $ 300k and the loan amount being asked for is $ 50k. The bank seems to be giving me the run around on closing the loan and when I talk to them they continually state that the loan is approved. I had to pay flood insurance on the property and was told that once I got this flood insurance the loan would be closed then they proceeded to ask for paperwork that I previously submitted saying it was incomplete and do not close the alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a call from "XXXX they asked me to call back. I called back the number on my card and they told me I was qualified to get my rate reduced to 6.4% . Because I was never late.  I would see that on my next statement.  I received my statment contacted, Chase and they have no record of that transaction they did pull a credit check XX/XX/XXXX they told me, but said I had the lowest rate I could have. I did not give my ss number to anyone but they did have my card number when they called and had me call back as I DID NOT trust them and still I am now concerned who this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: CA

Complaint narrative:
Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you

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 2016-11-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. 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 2015-04-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: NC

Complaint narrative:
I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! 
From : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: PA

Complaint narrative:
This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: FastBucks
State: WI

Complaint narrative:
on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am filing a formal complaint against Halsted Financial Services, LLC at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. Halsted is falsely accusing me of not fulfilling a contractual obligation with XXXX ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX 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 2017-02-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW 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 explanation