vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Years ago I was having trouble making payments, and was advised by Navient to do forebearance. They told me that the interest would be tagged on to my loan. After the forebearance ended, they said 6 months of missed payments were due. My loans are still past due with over {$17000.00} due right now and in default. Not only was it impossible to pay, but the fees just keep piling up and they refused to do anything about it when I called. Get calls about 8-10 times a day, collection letters from them and another collection agency, and can't even start to get out from being underwater. To be honest, the only thing keeping me from having XXXX XXXX is that they would go after my mom if I did. They also call and harrass my sister, and she isn't even on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a Savings account in XX/XX/XXXX in preparation for a large purchase. After making the purchase I was planning on keeping the account. The account I was signed up for had a requirement for a minimum balance of {$3500.00}. I was not made aware of this until after the purchase in XX/XX/XXXX when I had found that my account was hit with a couple months worth of maintenance fees. After calling I learned I was signed up for a savings that needed that high of a limit on. I had {$500.00} in the account and was planning on rebuilding it after the purchase. When calling to reconcile I was transferred to the bank 's sales department first and told nothing could be done about the fee. After pushing back I was told I could only be credited back 25 % of the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
ability recovery services had put a collection back on my credit report and it has been discharged in the bankrucpty court and I call to find out about it and ask them can they update my account and they told me that I had to contact XXXX and dispute it and they hung up on me like i wasn't still asking the agents question about what all i had to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXXXXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating Pendrick Capital Partners ( " PENDRICK '' ) has purchased an account with my name on it. This is a serious  matter because I was a victim of identity theft. And Pendricks has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By Pendricks XXXX because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by Pendricks ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with Pendricks ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As Pendricks ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Was not aware of the closure of the account. Bank charged me all these returned payment fees that i did not know how to Handle. Was not aware of how the payments worked on the website. Bank charged lots of late fees. wrote to them several times and returned all my mail. thought i was doing the write thing the whole time. Did not receive anything in the mail from them. they transfer you to different people when you keep asking questions when on the phone. 

Never wanted to understand that i was not in communication with them, so I didnt know what was going on. 

Have payed off a very large portion of the balance already and currently still making monthly payments to Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing because my personal credit rating dropped 180 points when I applied for a business credit card through Capital One. 

I received the attached invitation to apply for a credit card with Capital One. Per the instructions, I applied on-line and was approved for a card. We have used the card for a month and are not delinquent in our payments : our first payment is due about XX/XX/19. The card was approved XX/XX/19. Much to my surprise, I received an alert from XXXX XXXX on XX/XX/19 that my personal credit rating was downgraded on XX/XX/19 from XXXX to XXXX : entirely because of the credit card being applied to my personal credit rather than the corporation. When I called XXXX XXXX, they informed me that I simply needed to request that the credit request be reported via our tax ID number rather than my social security number as it is a business credit card. When I spoke with several people at Capital One, they informed me that we report to both business and personal credit agencies as my name is on the card and that is just the way we do it. 

This is incredibly damaging : as you can see from the flyer, there is NO indication that this card would impact my personal credit rating and I have no way of correcting it even though I have not been delinquent in paying debt, ever. This credit ding NEEDS TO BE REMOVED from my personal credit and accrue to the corporation as it is a BUSINESS and not a PERSONAL card. Even my application shows I am not the sole proprietor of this business. I would NEVER have applied for this card if I thought it would damage my personal credit so dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I graduated from the University of Illinois in 2011. In total I borrowed {$20000.00} in private student loans with Navient. Since 2011, I have paid a total of about {$16000.00} but my principal balance is still {$19000.00}. How can this be legal? How could only {$800.00} be applied to my principle balance? 

Aside from this, it is ridiculous that Navient refuses to give you any accurate or helpful information about your account. 

I called to find out how much I have paid so far, and I was told something would have to be mailed out because they dont have access to that information. It seems odd that anyone could give me accurate information about my account if they cant see my payment history. 

When I inquired about making an additional {$50.00} payment through a round up app ( an app that helps you pay off your student loans by rounding up your purchases to the nearest dollar ), I was told that making additional payments would cause my minimum payment to go up {$200.00} because my rate reduction program would be cancelled. But when I asked how I can get my loans paid off faster I was told to make extra payments. Then I was told that I could make a payment for the entire balance. Navient does not care about their borrowers and has bankrupted my generation. As others have called it, this is financial terrorism.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a verification letter to XXXX XXXX XXXX and received a screenshot of a statement. I informed the collection agency ( XXXX ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX and XXXX removed the said inaccuracy/ violation however Experian started that XXXX said to keep it on my credit report because they said it is accuracy. I also requested to see the document XXXX   submitted and they confirmed it's the same one they sent me. After speaking with three individuals from Experian ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact XXXX  and see if they can remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I filed a CFPB complaint against American Express on XX/XX/2019, got response from the company today as of XX/XX/2019. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. This was a deceptive marketing event and though my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
We applied for auto insurance with XXXX XXXX. We were rejected and they sent us a letter explaining why and we see it has information that is not correct regarding one of our sons. There are 2 entries stating the same information unknown date, violation suspended license or other serious violation. We were on the phone with lexisnexis, XXXX - ID number XXXX. For over 2 hours. He could not find the violations being reported back to our current insurance or the XXXX. He said he can't fix it because he can't find it in the DMV file or credit report. He can not get us a supervisor manager or anyone. They refuse to fix send false information to agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
SUMMARY : BANK OF AMERICA REFUSED TO TIMELY DEPOSIT MY BENEFIT FUNDS FROM THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT INTO MY ACCOUNT, AND IS ALSO REFUSING TO COMPENSATE ME FOR LOSSES DUE TO THAT FAILURE. 

DETAILED NARRATIVE : THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT ISSUES BENEFIT PAYMENTS VIA A BANK OF AMERICA PREPAID DEBIT CARD. THE PREPAID DEBIT CARD PERMITS FUNDS TO BE DEPOSITED INTO A SPECIFIED CHECKING ACCOUNT ON DEMAND VIA ACH. 

I INITIATED AN ACH FUNDS TRANSFER VIA THE WEBSITE ON FRIDAY, XX/XX/2019, BUT BANK OF AMERICA REFUSED TO COMPLETE THE TRANSACTION. I AGAIN TRIED ON XX/XX/2019. BANK OF AMERICA AGAIN REFUSED TO COMPLETE THE TRANSACTION. 

I CALLED THE PHONE NUMBER ON THE BACK OF THE CARD TO REQUEST THAT THE TRANSFER BE COMPLETED. THE REPRESENTATIVE ALSO REFUSED TO INITIATE THE TRANSFER, STATING THAT THERE IS A MAXIMUM DOLLAR AMOUNT THAT CAN BE TRANSFERRED IN A SEVEN CALENDAR DAY PERIOD. 


A DOCUMENT ENTITLED " CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT DEBIT CARD ACCOUNT AGREEMENT '' WAS PROVIDED WITH THE PREPAID BENEFIT CARD I RECEIVED. I CAREFULLY REVIEWED THIS AGREEMENT IN ITS ENTIRETY. NO SUCH MAXIMUM DOLLAR AMOUNT PER SEVEN CALENDAR DAY PERIOD LIMITATION IS SPECIFIED IN THE ACCOUNT AGREEMENT FOR ACH TRANSFERS. THE ONLY DOLLAR AMOUNT PER TIME PERIOD LIMITATION SPECIFIED IS A DAILY {$1000.00} ATM LIMIT. 

I SPOKE WITH THE REPRESENTATIVE 'S SUPERVISOR, XXXX XXXX IN XXXX TEXAS. XXXX CONFIRMED THAT BANK OF AMERICA WILL NOT COMPLETE THE ACH FUNDS TRANSFER I REQUESTED DUE TO A SEVEN DAY TRANSFER LIMIT, DESPITE NO SUCH LIMITATION APPEARING IN THE ACCOUNT AGREEMENT. 

I ALSO REVIEWED THE ACCOUNT AGREEMENT WITH XXXX. I EXPLAINED THAT SECTION 12 OF THE AGREEMENT STATES : " IF WE DO NOT COMPLETE A TRANSFER TO OR FROM YOUR ACCOUNT ON TIME OR IN THE CORRECT AMOUNT ACCORDING TO THIS AGREEMENT, WE WILL BE LIABLE FOR YOUR LOSSES OR DAMAGES. '' I ASKED WHETHER BANK OF AMERICA WOULD COMPENSATE ME FOR MY LOSSES, INCLUDING LOST INTEREST. 

XXXX DID NOT AGREE THAT BANK OF AMERICA WOULD COMPENSATE ME FOR LOST INTEREST FOR FAILURE TO COMPLETE THE REQUESTED ACH FUNDS TRANSFER ON TIME. HE FURTHER DID NOT PROVIDE ME ANY OTHER WAY TO REQUEST SUCH COMPENSATION. 

I INFORMED XXXX I WOULD BE FILING A COMPLAINT WITH THE CFPB, DUE TO BANK OF AMERICA 'S FAILURE TO COMPLY WITH THE ACCOUNT AGREEMENT. 

AT THE END OF THE CALL, XXXX OFFERED TO PUT ME IN TOUCH WITH A SEPARATE DEPARTMENT WHICH WOULD OPEN AT XXXX THE FOLLOWING DAY, WHO MIGHT BE ABLE TO ASSIST ME FURTHER. I GAVE HIM A CALLBACK NUMBER, AND WE MUTUALLY AGREED THAT I SHOULD EXPECT A CALL BACK BY THE MIDDLE OF THE NEXT DAY. 

I DID NOT RECEIVE THE RETURN CALL AS EXPECTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
A charge from XXXX XX/XX/XXXX was charged to a deceased person 's account. This individual has been deceased for over seven months. Her daughter ( me ) handling her affairs was unaware of the card 's existence until the statement was received in the mail. Upon calling XXXX I was unable to provide them with necessary information to locate the account nor reverse the charge. 

I called the credit card company and they refused to reverse the charge because the card was " closed after the charge occurred. '' Their estate department claimed they would proceed in trying to collect on this charge. While only {$120.00}, I find this ridiculous and appalling. How can you charge a dead person? 

I hope you can help, because the hour I spent trying to talk sense into them did not work. This all occurred today, XX/XX/2019 around XXXX. I spoke with XXXX initially who referred me to the estate team. XXXX in estate services. 

XXXX XXXX, supposedly a supervisor for XXXX, who gave me an id # XXXX who said that they would reverse the charge and transferred me to their dispute department. XXXX in XXXX, TX in the dispute department who said they would not reverse the charge, dispute the charge, and initially tried to say the account wasn't closed, and then said that the account was closed after the charge occurred therefore making the charge valid. XXXX refused to transfer me back to XXXX and stated that the id # given meant nothing. XXXX refused to transfer me to a supervisor. 

All names and information given about the people is all they would tell me. I did call back and speak to a random operator in the call center who verified that XXXX meant nothing to them and could not get me to XXXX XXXX.

Company response to consumer: Closed with explanation