vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 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: CA

Complaint narrative:
XXXX XXXX XXXX put an account in collections with Experian. This account was from XXXX XXXX XXXX XXXX for services that I never authorized or accepted. 
I had never signed any paperwork nor did they ask me before performing those services on me. I was awake and totally conscious when I had gone to XXXX XXXX XXXX XXXX. 
I have disputed this with Experian, but they are not providing me with any information showing that I authorized said charges. I called Experian and they said they have an electronic system with XXXX and they are unable to ask for proof of any sort of documentation. 
XXXX Account : 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 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX  Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.

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 2019-01-29 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
We were the victims of a credit card fraud which, despite promises to the contrary, the bank has not taken any visible action to investigate or rectify. 
Here is a brief chronological description of the events. Please see attachments for a more detailed account. 
-- In XX/XX/XXXX we opened a business account at Citizens Bank in XXXX, Vt.,  for a small seasonal bed and breakfast that we operate at our home. During this initial visit to Citizens Bank offices we also arranged for credit card payment services and the lease of a credit card reading machine. 
-- In XX/XX/XXXX a prospective guest reserved rooms for an extended period of time and provided a deposit of {$1700.00} which was booked to his credit card and credited to our Citizens Bank account. 
-- In XX/XX/XXXX the prospective guest then secured a refund of the deposit from XXXX, the credit card services partner of Citizens Bank. Neither the guest nor XXXX nor Citizens Bank consulted us about the refund and we were not notified of it in a timely way. 
-- Separately, the guest communicated to us that he had changed his plans and demanded a refund of his deposit from us. Unaware that he had already received a refund, we paid him the money. We later realized we had been scammed. 
-- Citizens Bank refunded {$270.00} in fees incurred after the refund to the customer caused our account to become overdrawn, and has assured us that the matter was being investigated. But neither the bank nor XXXX has provided a progress report or any concrete indication that efforts are being made to recover money or take action against the fraudster. 
-- In XXXX the Citizens Bank branch manager in XXXX, provided a contact at XXXX. The contact was able to discuss a separate issue involving the lease of the credit card machine, but he had no knowledge of the fraud case. 
Thank you for your consideration. 

Attachments : Sequence of events previously provided to Citizens Bank. Additional documentation such as bank statements and emails available on request. 

Note : We have previously complained to the Vermont Department of Financial Regulation, which informed us on XX/XX/XXXX, that it had forwarded our complaint to the Office of the Comptroller of the Currency. We have not received an acknowledgement from the Comptroller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANCO POPULAR DE PUERTO RICO
State: NV

Complaint narrative:
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the Banco Popular of Puerto Rico to verify how the car that the bank could finance me move to there. The Banco Popular did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.

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 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.

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 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: NH

Complaint narrative:
On XX/XX/XXXX my loan was sold to Navient from SallieMae. Like many others struggling to pay loans, I entered into Interest only repayment for the maximum time allowed by Navient. 

Following the end of the Interest Only repayment period, beginning XX/XX/XXXX until XX/XX/XXXX, payments that I made in the amount of {$410.00} were distributed to my loan in such a way that there was no consistency with the amounts paid towards interest and principal from month to month. 

One example : XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$160.00} Applied to Principal : {$250.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$410.00} Applied to Principal : {$0.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$100.00} Applied to Principal : {$300.00} This continued until XX/XX/XXXX when I once again had to enter into Interest Only repayment ; the only option that I was told was available to me in order to be able to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Refinanced existing student loan through XXXX XXXX. Never received proper communication on the process. Suddenly completed. When repeatedly called to inquire on amount to pay : Told in XXXX that nothing will be due in XXXX. Followed what they said. ( Had an unrelated problem with personal checking account ... .fraud. So had to close personal checking and open a new one. In process, a payment to Navient was returned. ). Constantly called to resolve all outstanding amount. On XX/XX/19, Navient advised me to pay {$500.00} installment plus {$830.00} past due. Both payments posted XX/XX/19. 
Received no less than 6 phone calls yesterday ( XX/XX/19 ). Answered when free and told I am still in arrears. Put on hold and no one ever came back on the line. 
I feel that Navient is being devious. They tell me first to pay nothing for a month or two.  Then they tell me I am in arrears and so in forbearance. I pay all that I am told to pay to avoid forbearance. Six days later, they are calling me again claiming I am in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
It's all of them ... XXXX  XXXX  especially! They tell you how great they are and then they sent you some off the figure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OH

Complaint narrative:
On XX/XX/XXXX I discovered that someone had purchased {$500.00} off of my child support card through a company called XXXX. I called the customer service number on the back of my card, was transferred to the fraud department and a started a claim to get my childs money back. I closed the card and received a new one in the mail. I also received all of the fraud paperwork to fill out, which I did and sent back in. On XX/XX/XXXX they refunded my childs money back, saying that it was temporary until the investigation was over, which would take 45-90 days. On XX/XX/XXXX I noticed that they did a debt reversal and sent the {$500.00} back to the company. Ive called the number on the back of my card. Ive called XXXX XXXX, which is the bank that eppicard is through. Ive tried getting ahold of the company in charge of the fraud department, Us Direct Express. On the phone for over 5 hours on hold, and the only person I talked to was from XXXX XXXX  who told me that he talked to an agent with the fraud department eppicard uses who told him that I would only be on hold for 2 minutes, he transferred me and 30 minutes later I was still on hold. Ive even  tried getting ahold of the company that the purchases were made through, and the phone just rings and their live chat doesnt work. I just want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: NJ

Complaint narrative:
I applied for american express platinum card on Tue, XX/XX/XXXX with the offer of getting XXXX points after spending XXXX k in 3 months. At the time of applying I did not get any indication that I am not eligible for this offer. I called american express afterwords a few times and they confirmed that they do see the bonus offer on my account. Subsequently I finished up much more then the required spending and waited to see my bonus. On XX/XX/XXXX I called up american express to inquire about this and was shocked to hear that my welcome offer was denied. I was never communicated about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
XXXX XXXX, sent a letter to my employer treating to garnish my wages. I asked the company not to contact my employer and I also told them i need o pay my loan with a different account. 

They have called me more than 5 times a day even at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
On XXXX the original transaction was made ( {$400.00} scheduled to send to XXXX ). On XX/XX/2018 this transaction was cancelled by me. At that time money was not withdrawn from my account and the same info was provided under my account on MoneyGram website.

Unfortunately, money was withdrawn from the account but never sent to XXXX. 
I made a few attempts to receive money back by contacting this company via email, chat or phone call. 

Here is the fact. MoneyGram doesnt email finished chats to their customers saying that they are staying on customers account and only MoneyGram employees could see them. 
Chats : During those chats ( had at least five ) first, I was told to wait for 10 business days to get money back. Then I was told a few times money get back to the account in three business days. 
Once, I was told it was my bank mistake. Checked with XXXX too. 
I was able to copy only one chat. Other ones were closed so fast at the end that I couldnt do it. 

Emails : Company says that those issues can not be solved over email and provide the phone number. 

Phone calls : I was told to wait for three business days ( again ). Was not allowed to talk to a supervisor. 

On XX/XX/XXXX after another unsuccessful attempt to solve the issue I made screenshots of my transactions from my MoneyGram account ( original one and about transaction cancelled ). 

On XX/XX/XXXX I tried to login to my MoneyGram account and was not able to do so. My account was deleted by MoneyGram. I looked online and found other peoples similar complaints about dealing with MoneyGram fraud and their account being closed by MoneyGram. Also found some info about lawsuits against MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX.  These loans were taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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:
Since XX/XX/XXXX I have been trying to get my student loans errors corrected. 
On my credit report the Nelnet company is reporting the same information 3xs on my XXXX, XXXX, XXXX, XXXX & etc. reports showing all loans have increased in XX/XX/XXXX through XX/XX/XXXX in red. 
Signaling that I'm late in paying when I haven't started paying because I'm still attending school and my loans are in Deferment. 
The loans are subsidized and unsubsidized and are not to increase while in deferment. 
Nelnet company is refusing to correct how they are reporting my accounts making my credit profile look like I'm paying my loans late which is not true it's a lie. 

The Nelnet accounts I'm referring to are as follows : # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. being reported as mine not true only one is not both ) # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. only one is not both ) #  XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ( is a duplicate one is not one )  ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit XXXX report : XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened a XXXX XXXX account in XX/XX/XXXX. On XX/XX/XXXX a capital one online pmt posted to account for XXXX and was not my transaction or authorized by me. I contacted Capital One on XXXX to have resolved. On XXXX the money was put back in my account but was effective on the day posted - XX/XX/XXXX. There was an interest amount for one day interest credited on XXXX as well. The amount withdrawn should have been posted to my account effective XX/XX/XXXX so that I was not harmed on interest. The interest payment should have been effective XX/XX/XXXX as well. I have called 2-3 more times to try and get them to fix the errors on the account and make me whole and so far nothing has happened. They do not call me back to let me know what is going so I have to keep monitoring, calling them back and explaining every thing all over again. 

We are not talking about a lot of money ... .Depending on how they compute the interest it is ether 1.07 or 1.43 in interest for XXXX or 4 days that I should get that right now I will not get as the money was not in my account on XXXX, XXXX XXXX and was finally put back on XXXX.

Company response to consumer: Closed with explanation