vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.

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 2018-05-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

SEARS/CBNA made three erroneous updates on XXXX report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 SEARS/CBNA went on XXXX   looking for another dispute from me, changing an account to read XXXX using company bureau ID 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 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam On XX/XX/XXXX i went in trip to visit my sick mom in XXXX, and during my visit i tried to check my account from there, no order placed to buy or to sell, just checking the balance, So Coinbase identified my IP address and froze my account since american companies prohibited to do business with XXXX. I submitted all documents Coinbase requested, proof my US citizenship and my US residency, so i provided it all, and after many many contact with Coinbase, I still can't access my account after more than 80 days .and no clear response for them other than they are short with staff, i have to be patient or someone will get back to me, which is a sounds like a joke. Please help me to resolve the problem. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: FL

Complaint narrative:
I opened a dispute with Experian in reference to a 30 day late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Experian to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Experian accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 30 days late. Im requesting Experian to validate claims with supporting documents. Not verify name, address, and social security #

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 2018-05-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX  refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the XXXX XXXX used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.

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 2018-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Filed charge back request by telephone ( case number XXXX ) with Bank of America for {$82.00}, based on consumer fraud incident at XXXX XXXX store number XXXX. XXXX XXXX technicians falsely guaranteed they were installing the specific lubricant I ordered for my vehicle, when in fact they knew they were installing a different lubricant. They also caused damage to my vehicle in the process. 

The BofA claim processor explained that I would receive a refund on my credit card and refused to take any of the documentation I offered to fax or email. 

B of A then sent the attached letter dated XX/XX/2018 to deny my claim for lack of documentation. I called the XXXX number listed on the letter to complain about BofA 's so called " investigation '' The BofA dispute officer explained that I failed to submit separate signed letters from 2 independent mechanics to verify that XXXX XXXX installed the wrong lubricant. I explained that BofA 's documentation demand was impossible to satisfy because no mechanic is capable of identifying the chemical composition of a lubricant. Nevertheless, BofA refused to resolve the issue.

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 2018-05-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We made a reservation through XXXX we used their special offers where they guarantee that 2 adults will sleep comfortably. We followed the instructions to make the reservation in which we never had the option to ask for more beds or request a bigger room. We kept following the prompts to continue the reservation hoping that we would be allowed to enter the number of adults on the trip, but this never happened. When we finished making the reservation we called the hotel & XXXX within minutes to confirm that we would be able to have 4 adults on this room, however, we were told by the hotel that they could not accommodate 4 people and when we called XXXX they shut us down right away with no options given. This purchase was done XX/XX/XXXX or XX/XX/XXXX. XXXX didn't want to work with us or accommodate us at all. I attached a letter with more detailed information in regards to this transaction. 
That same day I called my credit card company Citi cards and I was told that as soon as the transaction posted to the account I will be able to dispute it and cancel it. That information was misleading ... they provided me with a temporary credit, but at the end they stood up by XXXX and charged me back the total amount of this purchase. I am now writing because I have disputed the charge with Citibank, but they have sided with XXXX because their terms state that the XXXX XXXX reservations through XXXX are non-refundable. It was our XXXX vacation and we went ahead and booked with a different company because citibank assured us that the purchase with XXXX will be refunded, that didn't 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 monetary relief
Consumer complaint received 2018-05-23 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: KY

Complaint narrative:
I CALLED NAVIENT LOAN SERVICING IN XX/XX/XXXX TO LET THEM KNOW THAT I WAS NOT EMPLOYED AND ASKED FOR A DEFFERMENT SINCE I WAS HAVING TROUBLE PAYING MY BILLS. THEY INSTEAD SUSPENDED MY PAYMENTS FOR A THREE MONTH PERIOD AND ALLOWED INTEREST TO ACCURUE. I DID NOT KNOW THAT THERE WAS OPTIONS. I AM A SINGLE MOTHER AND I FELT TAKEN ADVANTAGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America stated that my account has been converted from eChecking account to an account where it requires {$1500.00} monthly balance. I was not aware of the change, until I looked at the recent statements, where it shows two, $ XXXX monthly service charges. When I called the customer service line, they stated they were not able to waive the fees.

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 2018-05-23 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: MD

Complaint narrative:
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

XXXX made three erroneous updates on Equifax report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 XXXX went on XXXX looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When i opened this account ( during XX/XX/XXXX ) - I was told to keep the balance as $ XXXX which i am maintaining. On top of that Chase has charged me {$25.00} as account maintenance fees ( on XX/XX/XXXX ) for not maintaining the minimum balance which anyway I was maintaining it. This is scam and fraud. When the interest rates are so high - Chase pay pathetic interest rates and then torturing customers like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
This complaint is for both Citizens One Bank and XXXX in advertising to consolidate/refinance student loans. The advertising is misleading showing a lower interest rate to gain interest and personal information. I have asked for a " rate table '' from each and they stated I had to go through the application process. After doing so, the rate is significantly higher than anything stated on the advertising. I have perfect credit, so I am complaining because I know no one is getting the stated rate. The advertising states 3.50 % but the lowest option is 5.5 % once I fill out the application. After that I get bombarded with emails, calls, and mail to the information I provided on the application for a " soft credit pull ''. Can you please stop these people from wasting time and trying to deceive people into worse student loan debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: NY

Complaint narrative:
XXXX PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM EXPERIAN . WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE XXXX IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.

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 2018-05-23 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have previously had the experience of Citibank charging me fees even when I use Citibank ATMs, miscategorizing these as 'Fees for Non-Citibank ATM use '. I have previously reported these to Citibank and had them corrected, and now on XX/XX/XXXX I was again charged a 'Fee for Non-Citibank ATM use ', even though Citibank itself identifies this transaction as 'Cash Withdrawal XX/XX/XXXX XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I want the CFPB and other Citibank customers to be aware that this is a known problem that has been reported to Citibank and yet has not been fixed.

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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
I received notice from XXXX XXXX XXXX that my home loan was sold to Rushmore Loan management.The problem with this situation is my name is not the power of attorney on my mother 's death certificate.This is still my deceased mother 's estate and my name is not on her death certificate as power of attorney.This is the second mortgage company that has tried to profit off my Mother 's Death.All the Rushmore had to do is check the information that they got from XXXX before they brought this illegal loan. I still owe XXXX XXXX XXXX XXXX over {$35000.00} Dollars for home improvements that XXXX lender placed insurance did not cover. XXXX was sued for their unfair practice of lender placed insurance price's.I was part of the {>= $1,000,000} classaction lawsuit and won. Now here 's Rushmore trying to foreclose on a home that I still owe XXXX XXXX XXXX XXXX for. Rushmore should have looked at the paperwork connected to this loan before trying to take my home. In about two week my XXXX brother who lives in the home with me is getting the bathroom and kitchen modified by the state to accommodate his XXXX.Rushmore has to look at my mother 's death certificate that they should have got form XXXX to understand how all this is fraudulent.Selling Death has to be one of the sickest things I have ever seen especially when it's my mother who was the Primary borrowerof the Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I called my mortgage company Wells Fargo to inquire about an endorsement for a check to repair my roof. During the call I heard a recording that said that my home was in foreclosure and scheduled to be sold on XX/XX/XXXX. As a result of the recording, I asked for additional information and was told by a representative that the foreclosure was filed on XX/XX/XXXX. As of today, I have not received a written notification that my home was going into foreclosure. I spoke to my lender on XX/XX/XXXX and was told that I didn't have a mortgage payment due until XX/XX/XXXX per the attached statement. After speaking to them on XX/XX/XXXX, I received a statement demanding that I pay at total of XXXX, however, it still does not indicate that foreclosure proceedings have started on my property. I am deeply concerned about the handling of this matter and don't understand why I wasn't given any type of notification.

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