vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the 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 monetary relief
Consumer complaint received 2018-02-21 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: NY

Complaint narrative:
Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I 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 non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.

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 2018-02-21 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: UT

Complaint narrative:
My wife and I had consolidated all of our student loans with XXXX XXXX in XXXX. The same year I entered XXXX XXXX XXXX. Each time I XXXX after XX/XX/XXXX, I submitted request for deferment on the loan and the XXXX XXXX and now Navient mishandled the paper work. We received confirmation twice that the military deferment was in place and several months later received notification that we were in default on the loans and that the only way to fix was to have the loan re-written. This situation went on for years and even came close to impacting my security clearance. Now I am retired from XXXX XXXX and work for the XXXX XXXX as a federal employee, we are trying to apply for forgivness and once again, Navient is tell us we are not eligible. I would like my account audited and try and get credit for the deferments we fully qualified for and try again to gain control of the student loans we have faithfully tried to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
This is not a duplicate filing. XXXX continues to misapply XXXX  47-2201. 

On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX  I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. 

In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. 

However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. 

Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. 
Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption.

Also exempt are purchases on which a sales tax has been paid to th

e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX  co
ntention, XXXX  Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX.

Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 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: MI

Complaint narrative:
I have contacted XXXX personally, submitted a dispute with Experian as well as contacted the consumer protection bureau regarding this matter. XXXX is Continuing to report inaccurate information to Experian credit reporting bureau. XXXX is reporting one ( 1 ) inaccurate account from XXXX XXXX 's XXXX ( XXXX ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) XXXX ( XXXX ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.

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 2018-02-21 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: NC

Complaint narrative:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.

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 2018-02-21 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: NC

Complaint narrative:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Not my account. I need to see the original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Here is the short version of my 2 complaints : 1 ) In the summer of XXXX in discussion with Citi rep about the  best way to lower my existing Citi mortgage, the rep suggested a loan modification given the fact that I no longer had 2 years of steady income. I went thru a 9 month horrifying process of repeatedly providing financial details which were repeatedly lost by Citi and re-requested. Citi account reps assigned to the account were swapped out 5 different times and each time it entailed new requests for same documentation. Each rep was never reachable by phone. The rep phone number rang into a call center in XXXX and they would schedule a call with the rep with an average of 2 week delay. The process is completely broken and truly feels like its designed to purposely dissuade people from continuing. At the end of the process they declined the request mainly because I was current on my mortgage and because they believed we had the ability to pay. Why wouldn't they have suggest a straight refinance? 
2 ) Worse yet, we are now being harassed by Citi. We have been and will continue to be current on our mortgage and Now have received a letter suggesting that we are approved for a shot sale. And if we want to " suspend foreclosure activity and accept this offer '' for short sale we must contact them at XXXX WHO ARE THEY KIDDING THEY ARE GIVING US JUST 2 OPTIONS ; A SHORT SALE OR FORECLOSURE. HOW DO THEY HAVE A RIGHT TO EVEN SUGGEST EITHER WHEN WE ARE ABSOLUTELY CURRENT AND ALWAYS WERE. THIS IS BULLYING AND HARASSMENT AND I WASTED 9 MONTHS OF MY LIFE I CANT GET BACK WITH THEIR LAME LOAN ADJUSTMENT PROCESS. 

I HAVE KEPT RECORDS AND I AM PREPARED TO TAKE THIS TO MY ATTORNEY AS NEXT STEP IF THEY DON'T IMMEDIATELY STOP SUGGESTING THEIR IS REASON FOR FORECLOSURE ACTIVITY ON A LONG TIME PAYING MORTGAGE CUSTOMER. 

PLEASE CONTACT ME

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 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Please follow this letter thread as my description and Coinbase 's response, which I have not heard back from them on since. 

RE : XXXX XXXX # XXXX # # # # # # # # # # # Dear Sirs, I made a wire transfer that was issued on XX/XX/XXXX and received into the Coinbase accounts by XXXX XXXX XXXX  on the same day. 
I have been attempting to locate this wire via my credit union since before the holidays without any luck. 
As of today, XX/XX/XXXX, I was able to verify with XXXX XXXX XXXX that the funds were received on the wire date. 
The monies in question, {$2900.00}, are intended to go to either my XXXX account under the name of [ Name ], or can be issued to my Coinbase account under the same name. As of today, they still are not credited to either XXXX or Coinbase. 
As you can imagine, this is a completely unprofessional and unreasonable amount of time for nothing to be showing up in my account ( s ) and I expect that there will not be any fees applied once the funds are found and credited. Of course, if this does not happen, my next course of action and compensation for this delay will be through legal means. 
Please have a representative get back to me by phone AND email regarding these funds, and what course of action will be taken. 
My phone number is xxx-xxx-xxxx. If a message is left, I need a direct line and extension number to respond. 

Regards, [ Name ] Response # 1 After phone call and email to priority support. 
" Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Response # 2 After phone call 10 days later, on XX/XX/XXXX " Hi again [ Name ], Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

Once your request is cleared, well be sure to follow up. 

Thanks so much for your patience and for working with us on this. 


They have had my money now for 60 plus days, with no acknowledgement whatsoever that they have received it, much less taking action to do something with it be it a refund or credit into my account ( with compensation of some sort for all this trouble ) I want my money back with interested/compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed my taxes with the IRS and requested an electronically deposited refund. I provided them with one of the routing numbers made available to me via the Bank of America mobile application tied to my accounts with them. The IRS confirmed that they sent my XXXX tax refund electronically on XX/XX/XXXX. I spoke with several representatives at Bank of America on XX/XX/XXXX and XX/XX/XXXX. During those conversations I was told that the funds would be converted from wire to ACH and be deposited into my account. When the funds were still not deposited, I called back to get additional information. I'd confirmed with the IRS that I'd given them my correct savings account number and routing number. When I spoke with Bank of America again, I told them which account numbers I'd provided to the IRS and was informed that because I'd given the routing number for wire transfers, they'd rejected the payment back to the IRS. At this time I have to wait for the IRS to issue a paper check and it will take approximately 5 weeks because a banking institution who's job it is to send and receive money, chose not to receive mine.

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 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation