vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I obtained a secured credit card from WELLS FARGO in 2014. This secured card was for the amount of {$300.00} I obtained this card under the guise that it was a tool for rebuilding my credit and that if i used the card an made my payments on time that the limit would go up and that that it would become a regular credit card. I have had this Wells FARGO secured credit card for over 3 years. in that time i have never made a late payment nor even so much as waited for my bill. In fact I have, consistently, paid this card off in full every month. <P/>
I have patiently waited for Wells Fargo to increase the amount and return my {$300.00} as promised for proper usage of this card. Instead i have been paying annual fees as well as usage fees and and exorbitant cash advance fees for it when it covers as overdraft protection for my well bank account. ( I have another credit card from XXXX XXXX that i obtained well after the Wells Fargo card and it was almost immediately increased and no longer a secured card. over a year in fact. ) My main problem with Wells Fargo, this card and their inappropriate action is : I am currently attempting to purchase a home. i have learned that this card has actually been detrimental to my credit and credit score due in fact to none other than its minimal limit. I. E. I rent a car for the weekend and it costs me {$160.00} however XXXX puts a standard {$300.00} hold on any card for security purposes. Well this shows on my credit score as exhausting my available credit resources, or at the very least exceeding the preferred 30 % usage of available credit. having and using this card regardless of payment history has held my score back not improving it. ( by the current standards the only way that this card would improve my limit is by my having it, paying fees for it but never using it! ) What has it done to those less fortunate and with less income who could barely afford the {$300.00}. to start. How much money and fees have i paid for the usage of my own money.

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 2017-06-14 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: TX

Complaint narrative:
Since the beginning of my loan I was making payments towards interests for my loan with  XXXX . Later we had a mishap with my credit card and this led to me finding out that my payments were n't going towards the interst as originally planned with them. They charged me interest on top of interest and finally when I get ahold of them they told me  XXXX   and Navient had split up and they split my payments without me knowing and my   XXXX   account was being paid. This led to a drop in my credit and huge increase in student loan. I have managed to settle with   XXXX   but I 'm still paying high interest with Navient due to this. I was never informed or contacted of this situation or these event occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bayside Capital Services, LLC
State: MS

Complaint narrative:
In the first week of  XXXX  the bayside collection service called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MS

Complaint narrative:
In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On  XXXX / XXXX / 17  is did a balance transfer from a  Visa  Credit Card to this Capital  One  Master Card under a promo rate. {$3000.00} plus the {$65.00} charge On  XXXX / XXXX /   17  Capital  One  took my normal minimum payment {$25.00} On  XXXX / XXXX / 17  Capital  One  then took the Total Statement Balance {$3000.00} ( I did not authorize this or make any changes for this to occur ) On  XXXX / XXXX /   17  Capital realized the error and refunded the money back into my Checking and put the debt back on the credit card at the original Promo Rate for the error on their part.   During the call the Customer Se rvice Rep said  that he needed to reset up t he Auto Draft  and he would have the Payment come out with the same  XXXX  date.   On  XXXX / XXXX /   17  I get a letter that I am 2 months past due and right away make the {$76.00} payment to bring account current On  XXXX / XXXX / 17  I submit a complaint to adjust the 30 day late on my credit report On  XXXX / XXXX /   17  I get a letting saying the 30 day late is correct and the wont adjust it off On  XXXX / XXXX /   17  I ca  ll capital one again and they agree it should be removed but all they can do is submit another claim.
Capital One took the normal Minimum payme  nt on  XXXX  and if the system did not make a change and took the same payment on  XXXX  this would n't be an issue.     This is affecting my refi on my mortgage and I this is not my fault. I have perfect credit always on auto draft and the rep on the  XXXX / XXXX / 17  the rep should had advised that I needed to somehow make the  XXXX  payment again and the auto draft he set up would not work until  XXXX . I was mislead to just get the call over with and now I have this haunting 30 day late.     Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me  interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure

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 2017-06-14 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: UT

Complaint narrative:
I have sent TransUnion documentation multiple times, more than 60 days ago, regarding identity theft and fraudulent accounts and inquiries on my credit report, including the Federal Trade Commission Identity Theft Report. The FTC Report listed the fraudulent accounts and inquiries. I have also spoken to several representatives regarding this issue. TransUnion has refused to complete the investigation as required by law, and refuses to re move the fraudulent inquiries, stating that they " are not required to remove inquiries and will come off after two y ears. '' Fradulent credit inquiries on my report include :  XXXX  Mortgage,  XXXX  Bank,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Cr,  XXXX  Ca  rd.
_________________ Tracking Number :    XXXX   XXXX ,  2017  :  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 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
For the fourth semester in a row ( Summer XXXX through Summer  XXXX ), Nelnet has used the student loans for my part-time XXXX  program as an excuse to put my previous XXXX XXXX loans into deferment. Each time, they claim that I requested a deferment despite the fact that I never did.
<P/>
I have contacted both Nelnet and Federal Student Aid Ombudsman Group and both have failed to even acknowledge my correspondence. <P/> Further,  the last two semesters, I have filed a request via studentloans.gov to put the new loans into repayment immediately. This includes answering Are you currently in deferment or forbearance with Yes, but I want to start making payments under my plan immediately. Each time, Nelnet has responded to this request by sending a letter stating that my deferment request was approved rather than placing the loans into repayment.
<P/>
At this point, it is clear that Nelnet is blatantly attempting to delay my ability to claim loan forgiveness under the Pay As You Earn program and increase the amount of interest I am forced to pay over the now extended life of the loans. This is nearly identical to the conduct XXXX was already sanctioned for.
<P/>
I am not requesting that you intervene only on my personal behalf. I have the capability to pursue litigation and have some special office of Nelnet issue a fake apology and reverse the deferments as a supposed special exception. I intend to do exactly that next Spring after I graduate and dont have to deal with the same thing every semester.
<P/>
Instead, I am asking that you investigate Nelnets overall practices on behalf of the thousands of students who are being charged thousands of dollars in additional interest without even being aware of what is going on or the financial consequences of taking an extended deferment.
<P/>
Questions to consider include : Why is Nelnet placing student loans into deferment supposedly at the borrowers request when the borrower made no such request?
Why is Nelnet ignoring written instructions to not issue future deferments?
Why is Nelnet extending deferments upon receiving Income-Driven Repayment Plan Applications from StudentLoans.gov directing that the loans be placed into immediate repayment?
Is Nelnet committing a crime by falsifying documents when it states that the borrower requested a deferment when the borrower did not?
<P/>
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: NC

Complaint narrative:
Hi Team, I have never applied to any credit card other than XXXX. But I see lot of enquiries from below vendors. These all requests are not placed by me. It 's a fraud or mistake that has happened. Due to this my XXXX XXXX XXXX XXXX request was declined. Please help me removing below information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX 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 2017-06-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.

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 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have been r eceiving automated phone calls from penn credit corp claiming that they are trying to collect on a debt from   XXXX   XXXX   XXXX   XXXX  . I have not ordered anything from    XXXX   XXXX   XXXX   in, more than 10 years. I paid late then but did pay  XXXX . I heard nothing from them for years but just started receiving the collection calls out of the blue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: IN

Complaint narrative:
Constantly being steered toward forbearance instead of IBR. I 've never missed a payment, been paying about 5 years. Over the last 5 years I 've learned this company is incredibly difficult to communicate with, and when you do get someone on the phone they are often not knowledgeable and less than helpful. However, the most recent customer service issue is why i 'm writing this complaint. I reapplied to IBR again ( no thanks to Navient ) about a month or so ago. I received confirmation that i had completed the application and also received an email stating my new payment.This morning I got another email from them stating my payment would increase soon? They had not in fact processed my application. When i called to get it straightened out the rep once again just tried to steer me into forbearance without even mentioning that it would cost me even more over the long run. they 've done this multiple times and i had to learn the hard way that forbearance is not just a " break '' from payments but actually costs quite a bit over the life of the loan. The rep was little help, telling me the IRS must have been down when i submitted my IBR this year ( not what they 're email to me says ) and i would need to send my stuff back in, and cross my fingers that it will " process '' by the time my next payment is due ... or just go into forbearance. It is little wonder why these guys are being sued for pushing that option. I asked to speak with a supervisor. I was told none were available, but they can call me back when they are available. All day long i waited on a word from a supervisor at Navient ... nothing. Not that i 'm surprised based on the level of customer service I 've received from day one. However, i think it should be noted that these guys are actively pushing people into forbearance options while making it sound like its no big deal ... and they 're customer service is the worst. I mean, literally, the worst. I have never gotten to the point where i expect soooo little from a company and they still manage to disappoint. hats off to you Navient.

Company response to consumer: Closed with explanation