vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.

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 2017-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I have been paying XXXX XXXX and XXXX 's online catalog companies which are the /same company just 2 different divisions. I contacted XXXX 's spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX 's and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX 'S DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX 'S THEMSELVES. I THEN CALLED XXXX 'S CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX 'S AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I paid NFCU {$6300.00} to settle an account back in XX/XX/XXXX during their unethical debt collections I received a redressed check for another account that was settled back in XX/XX/XXXX for {$5600.00} and I received a redressed for that one, however, I did n't receive a redressed check for the {$6300.00} that settled a credit card debt with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax data breach has many people concerned, myself included. My information was stolen without my permission. Now, future endeavors I pursue might be met with consequences due to this breach, such as the inability to obtain a loan. I have put 90-day monitoring on my credit reports, but that might not be enough if my information is already leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TX

Complaint narrative:
I am a XXXX military veteran, I have been making my regular payment as scheduled, but lately I noticed my balance keeps going up, not down. Sometimessage double to near triple the previous month. 
At this rate, I will never be able to pay it off. 
I call Navient, the agent clearly lied and told me, no increases was made. I checked twice, this mo th alone and it went up twice. On there website. My balance increas ed by about {$1500.00}. In the last 45 days. 
This is clearly wrong, and illegal. I will contact a lawyer, if necessary. 
I notice others are now complaining of the same thing happening to them, All veteran 's. 
This is disgraceful and unbelievable that any government agency would do this. 
I will fallow through with legal action, if necessary. 
I am a taxpayer, law biding citizen, I will not be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: NV

Complaint narrative:
I have attempted to reach out to Citibank a few times in regards to an identity theft issue. I have never opened an account with them, nor have they sent me a credit card statement. The only thing that I have received from them in the last few months is multiple offers for new lines of credit. Their negligence in regards to this matter has caused me major XXXX and XXXX. This is my last resort. I will be going to legal counsel this next week if this is not resolved. I also wanted to forward this over to the CFPB for investigation on your end. I live at a home that I have owned for the past few years. I find that Citibank has acted in complete negligence or with fraudulent intent if I have not received any information in regards to a matter that I have local law enforcement looking into. Citibank tried to blame this on the local post office. The post office actually contacted me in regards to this to indicate that they have investigated the matter and found that no one is forwarding my mail to another address or anything that they can control. The local police department reached out to me and are currently investigating this crime that has been committed against me. What does Citibank do? They call me twice. Once to try and sell me a " credit monitoring package '' which I am not interested in. Why would I want someone who obviously ca n't figure out how to issue a line of credit to the correct person in the first place monitoring my credit? The second call was at XXXX XXXX in the evening when I was trying to navigate on a road that I was unfamiliar with in TN. I had to disconnect the call. I spoke with some gentleman anothe time and he said that someone would get back to me. No one ever did. Overall my complaint is 1. I never took opened a line of credit with this company. I filed a police report. They do not want to acknowledge this. This was caught by other lenders XXXX XXXX ( who I had an account with previously ) and XXXX and they decided not to issue the line of credit. 2. Absolutely no one will call me back in regards to this. 3. From everything else that has gone on with other companies, I have no other believe than that someone internally over at Citibank opened a line of credit under my name and they are refusing to acknowledge this. This is hurting my overall XXXX XXXX by over XXXX points. I either need your assistance or need to contact an attorney to litigate this matter. Please help me CFPB. Thank you for your time and my apologies in regards to the long message on this.

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 2017-09-17 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: OH

Complaint narrative:
I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
" Collection Agency '' - Crown Asset Management LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX. has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX.
Crown Asset Management claims to be Representing the best interest 's of the Creditor - XXXX XXXX ( XXXX ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to Crown Asset Management LLC., which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with Crown Asset Management LLC. I am under " No '' Legal obligation to any collection agencies, and my written contract was with XXXX XXXX ( XXXX ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX employees are trained, and dedicated to misleading, giving false information and playing on the emotions of students who are trying to faithfully pay off their student loans, including myself. Their company makes promises that they NEVER intend to uphold or keep! 

On XX/XX/XXXX, Equitable Acceptance, XXXX XXXX, and XXXX XXXX  offeredme 3 main things, which were false and fraudulent : # 1. To consolidate all of my student loans, so on my credit report it would only show 1 consolidated loan, which they DID NOT do! According to XXXX XXXX, owner of my student loans, my student loans were consolidated ONE time in XX/XX/XXXX, by XXXX XXXX XXXX, not by Equitable Acceptance. In my BBB complaint dispute " EA '' said they did not offer me that, but when they call me to collect money, just last week and every other time I connect with them, they say they want to discuss the '' consolidated loans '' and collect payment! 
# 2. Enroll me into a " Forgiveness Loan Plan ''. ( According to XXXX, who own my loan, they state, the third party, Equitable Acceptance have NO authority to do so, nor do they have the authority to make any other changes to my student loans. As of today, XX/XX/XXXX, I am not enrolled in any such program! 
# 3. Charge me a " service fee '', not offer me another loan/line of credit to get out of debt!. They need to stop doing business dishonestly! 
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 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rushmore Service Center, LLC
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for 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 ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: OH

Complaint narrative:
On XXXX XXXX, XXXX I notified Trans Union of my being a victim of identity theft. I have had to reach out to them and each time I am connected to a person that is not located in the United States who does not know Federal Law and consistently misinforms consumers. For instance, today, XXXX XXXX, XXXX I was told they are not required to follow up on disputes where the creditor does not abide by Federal Law and its essentially 'not legal ' for them to update a credit report even when fraud is confirmed. 
This company is permitting its agents to willfully misguide and misinform consumers on laws they are not themselves, bound by, given they are in a completely different country. 
My rights under the FCRA are being violated by this CRA permitting false and fraudulent information to stay on my credit in the face of confirmed fraud and identity theft.

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 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XXXX XXXX at XXXX I deposited XXXX $ worth of bitcoin witch was {$180.00} at the time I sold it to the USD wallet, At XXXX $ ( witch was fine ) on XXXX/XXXX/XXXX XXXX XXXX I tried to add my bank and when I was answering the security questions it said it was wrong when they were not, I have added my bank before and It worked fine. So then I tried to add my routing number witch then did not work witch was the correct routing number.So at that point I couldent use the money to by bitcoin then sell it to my XXXX then transfer to my bank. I contacted them multiple different times different times the first time they gave me the same answer over and over again I could never get A strait answer and they took my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: MD

Complaint narrative:
I purchased a TV online with XXXX XXXX which I never received. The TV was supposed to be a legitimate XXXX TV. The first charge was supposed to be for a XXXX XXXX for {$2000.00}. Then after speaking with them it was switched to XXXX XXXX for {$3000.00} on their advice. Yet I was charged {$3200.00}. Bank of America refunded {$2500.00} but bank let the merchant keep {$720.00}. {$400.00} for shipping back and forth. And a 10 % restocking fee. 

Note : no tracking number was provided. I attempted to cancel the order once I knew it was a scam by saying that I found the TV somewhere else cheaper. I just wanted to be done with this company completely. The TV is not a legitimate XXXX TV.
XXXX does n't even authorize XXXX to resell their TVs. They also go by many different names as XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX. 

BOA did n't ask me for any of my documentation and XXXX only sent in documents to help their side but did n't send in all the corespondence. Bank in this case did not do their due diligence in seeing what a scam XXXX is. Please, help me to resolve this matter swiftly to protect myself other consumers from these unethical practices by this unscrupulous company. I appreciate your help in this matter. 

Thank You! 
Cordially, 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 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello, I attended XXXX XXXX from XXXX. I used XXXX XXXX, which is now Navient, to fund my XXXX years of matriculation. I amassed {$90000.00} in student loan debt. After graduation, I pleaded with them to lower my payments from {$700.00} per month to {$200.00} per month. They said no. At the time I was only making {$1200.00} per month. I felt as stated before that this was predator lending at its best. Then when I reentered XXXX school the loans were deferred due to education, but somehow they became {$150000.00} dollars. When reviewing the statement it was like looking at how is the interest rate so how on one of the loans. Almost like they were/are adding interest everyday. When I asked lower the payments again after the deferment period ended they said they can only lower it to {$670.00} per month. I am attending school again and they refuse to defer it citing that is not in the agreement that I signed. However, when I asked for all promissory notes and agreements that were " signed '' to be sent to me, they refused. Saying that I should have kept a copy for myself or just look at the copies I already have. I feel like I am paying under duress to save my credit score. However, I am unable to leave a life comparable to be happy and free. I understand repayment, but a company can not bleed someone dry when there is no blood to be given. Now they want me to pay a {$1000.00} + this week, but they say call back to see if it can be lower. Yet, I can never be sure if they are going to help me. They are more harmful to my finances than helpful. Why are they so secretive with my account? Why ever month do I receive phone calls about a past due balance, but then they discover they are wrong ( especially when it is directly withdrawn from my account )? This inappropriate, fraudulent, and unprofessional. 
Loan Accounts : XXXX Signature Student XXXX Signature Student XXXX Signature Student XXXX XXXX XXXX Smart Option

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: KS

Complaint narrative:
Experian refuses to honor Security Freeze requests from the web.
The same information that was valid for a web credit report from Experian was rejected for a Security Freeze.

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 2017-09-18 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: FL

Complaint narrative:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX

Company response to consumer: Closed with explanation