vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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: LA

Complaint narrative:
I want to file a formal complaint against Sallie Mae/Navient. When I completed college in 1999, they recommended I consolidate my loans with my husbands loans. They stated it would be better for us. All it did was lock us in at a high interest rate and they would not allow us to refinance or switch to another borrower with a lower rates, I tried several times over the past 15 years. They also recommended we defer our payments in the beginning, tacking on a ton of interest and fees to our loans. They also put all of our loans in my husbands name, not mine. I am a public employee in law enforcement for 15 years and I am eligible for a payback program but they never would allow me to enroll for the payback program due to them putting all my loans in my husbands name. Most of the loans are mine not my husbands. I have contacted them multiple times over the past 15 years and have received no help. The last contact was a few months ago and they said they would get back with me and never did. I have been paying almost {$500.00} a month on my loans for at least 17 years and my balance has barely gone down. I would like someone to investigate them. I am making the payments they say and my balance barely goes down. Where is my money going?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX company is the collection agency. I called up citibank and talked to many departments and said that i do not have any bank accounts with citibank. So how is it possible that I would owe an amount of {$290.00} from citibank if i didnt have any accounts in the first place? I disputed it with XXXX XXXX but was not sure if they are going to take action on it and its affecting my credit score every single day.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is giving me the run around online and by phone. I called their dispute line and I have called their regular line. I can not check status online and additionally questions to verify my ID are wrong. Equifax asked if I CURRENTLY have a Credit Card with XXXX, XXXX XXXX XXXX  or NONE. I chose NONE because I do not CURRENTLY have have a Credit Card with either of these companies. I cancelled those cards years ago.

How can I fix anything, if Equifax refuses to give me a human to talk to and has Misinformation with Verifying my identity. I can not get anyone to talk to me to fix my issue. I am the consumer and they are playing games with my accessing My Credit Information.

This code they emailed me does not work, nor my DOB, nor my Address, nor my SSN, nor my Full Name, they are telling me this information is wrong yet I can use this same info with XXXX and XXXX. I think I know my full name, address, DOB, and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: GA

Complaint narrative:
I have written several certified letters asking Northland Groups client XXXX XXXX for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with Northland Group and or their client XXXX XXXX XXXX  XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement does not constitute validation of the account. I've written XXXX since 2017 and they have now sent me to Northland group for {$960.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
Best Buy has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MA

Complaint narrative:
Good afternoon, I opened a checking account at PNC Bank XX/XX/2018. I used my credit card to charge a required opening deposit ( For {$2000.00} ). I have not recieved a " telephone PIN '' that is needed to access the account through online banking. I was supposed to recieve this PIN via the mail. I spoke to customer service last week and they said they have not received my signature card, which I sent already. They said they would send me another copy via mail to sign and send back. 

I just spoke with customer service and they said I can't access my account and I need to wait for an " investigator '' to call me and I can't access my own money. I have followed all required procedures to open my account and PNC bank is holding my opening deposit and account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have written several certified letters to XXXX AND PORTFOLIO RECOVERY asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR PORTFOLIO RECOVERY. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
There is a missing payment indicated on my credit report for XX/XX/XXXX.

I tried reaching out and no one was able to assist.

I've been in communication with them regularly so I'm not sure how this has happened.

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 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I contacted my bank, USAA, to set up an auto loan to purchase a new vehicle. The rep was helpful and set everything up while we were on the phone. As part of the process, the rep offered " Total Loss Protection '' on the loan for {$290.00}. I stated I wasn't sure if my auto insurance ( also through USAA ) already had Total Loss Protection coverage on it, but the rep assured me I could " call in and cancel '' the Total Loss Protection at any time within 60 days and it would be refunded immediately if I had coverage / did not want it. I was told the {$290.00} for the Total Loss Protection could not be put on the loan, but would need to be payed upfront, on a credit card. After being reassured, again, that the {$290.00} could be easily refunded with a " quick phone call '', I went ahead and authorized the payment. 
I picked up the vehicle on XX/XX/XXXX, checked my insurance coverage shortly thereafter, and found my auto insurance plan did indeed offer Total Loss coverage. I called USAA to cancel the Total Loss Protection on the loan and request a refund. After 58 minutes and multiple transfers, I was told canceling the Total Loss would not result in a refund to the credit card I paid with. I was told once I provided a written request, {$290.00} would be applied to the back-end of my auto loan. I let USAA know this was not what I had agreed to, and was not pleased. They reviewed the initial call with their rep, acknowledged that she did " perhaps '' misrepresent the method of refund, but would do nothing to rectify the situation. 
Thus began an epic battle to even obtain the {$290.00} principal payment ( which, as of this writing, I still have not seen ). Multiple phone calls ( many of them an hour or longer ), online " chats '' with reps, broken email links, faxes sent, and hours wasted. I have never seen such obstacles placed to obtaining a refund for an unwanted and misrepresented product. In the 13 years I have been a member at USAA, I have never experienced such rudeness ( and at times, such thinly veiled hostility ) as I have over these last few weeks in dealing with this. 
All I asked was for USAA to do as they said : initially, the expectation was for a " quick and easy refund '' if I cancelled the Total Loss Protection ; now I am just hoping for the " principal payment '' on the loan in the amount they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent an online wire transfer but it never arrived to the beneficiary. On XX/XX/XXXX, I started an investigation and until today, Wells Fargo has not been able to refund the money. They refused to do a fraud claim and all they tell me is to file a complain. I have filed 3 complains and so far, they still tell me I have to wait. I have requested several times something in writing about the situation but the bank refuses to do so.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: ND

Complaint narrative:
First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation