vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I was orginally sold a loan at XXXX years old for school at {$6200.00}. About a year later i paid {$2000.00} on the loan. Everytime i called Navient they lied and told me forbearance was my best option when i couldn't afford payments. Never making me aware that my interest capitalizing would make my loan extremely higher and therefore making my payments even higher in the end. As of right now, i am trying to pay the loan in full and they refuse to work with me. Today i owe nearly {$8000.00} on the loan bringing the total to {$10000.00} on a 7 year student loan. It is just robbery and should be illegal what they do to new college students just trying to pay for schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 

My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. 

My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 

We never received correspondence from Freedom Mortgage requesting a certificate of occupancy. I do, however, have proof that XXXX XXXX only requested a current utility bill and a current pay stub. No specification was provided on both husband and wife or other. I have the email saved from Freedom Mortgage to prove this. 

Lastly, I spoke to XXXX XXXX, XXXX, on XX/XX/XXXX. She told me that she understood our issue. Her plan to resolve this issue was to waive the interest accrued for the month of XX/XX/XXXX, waive the closing cost for XX/XX/XXXX and to also waive XX/XX/XXXX mortgage payment. She told me that she would follow up with an email verifying what she said to me after our XX/XX/XXXX payment posted. Our payment has posted, I have called her, with zero response nor have I received a confirmation email.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I enrolled this account into a credit counseling program XX/XX/2018. I have been on time and paying them the agreed to amount ever since. However, they reported I was late XX/XX/2018, XX/XX/2018 and XX/XX/2018. I was not late and my status needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Opened an account for an Amazon credit card through Chase Bank in XX/XX/XXXX. Rarely used the card and closed the account in XX/XX/XXXX via phone. Found out beginning of XX/XX/XXXX that account was never closed AND that Chase had charged Amazon account fees against the card. Over the course of the next year I had at least 3 email and 3 phone conversations with Chase representatives after which in ALL cases they said the account would be closed and that the debt would be removed. 

Have since found out after checking credit reports that they only closed the account after charging significant additional fees and that they have attached that information to my credit report. 

Any purchases after XX/XX/XXXX were not authorized as the account was closed and any fees, fines, interest are fraudulently attached to me. In addition any reporting of such negative items are fraudulent reported to credit agencies. 

I no longer have the credit card number as it was over 2 years ago that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XX/XX/2019 i have 3 negative marks from collectors on my credit all from the same incident. I was lied to by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative i talked to on the phone I talked to them multiple times to have them listen to the recorded call and on 2 different occasions i was told they would clear the balance.. Those also should be recorded conversations. So i want all 3 of them disputed and cleared from my credit. It should be illegal for them to lie about what you will be paying and make you pay them or they destroy your credit. I was told i would pay {$80.00} a month for the package.. my bill was for XXXX that is insane. 

Receivable Performance- opened XX/XX/2019 - XXXX XXXX {$460.00} XXXX  XXXX XXXX opened XX/XX/2019- XXXX XXXX - {$120.00} XXXX XXXX- opened XX/XX/2019- XXXX XXXX XXXX - {$52.00} Please dispute these

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 2019-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased a car through Ally financial which was my lender. My car XXXX   XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX 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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, I received a bill from Macy 's informing me that I was past due 90 days. I called them and they told me that they had sent the bills to my address, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I did not receive any of the bills they claimed to have sent me. I took care of the bill ( including late fees, which brought the bill to three times what I spent on the credit card ) during the same call and thought everything was okay. I checked my credit report and found that Macy 's and/or their servicer, Citibank, reported me to the credit bureaus. I called Macy 's back and asked again where they sent me the bills. They told me that they sent me the bills electronically to my email address as I had agreed to receive electronic bill. I never agreed to receive electronic bills to my email address. I checked my email account and I did not receive any bills from Macy 's. They also said they called me about the bill. When I asked them what phone number they called they said they called XXXX, which is a landline where I used to live in XXXX more than 9 years ago. By the way, I had provided them with my cellphone number, but they never called me on my cellphone number. So, Macy 's charged me late fees and reported me to the Credit Bureaus for bills I did not know I had. Prior to this issue with Macy 's, I was always on time with all of my bills. The only reason I wasn't on time with Macy 's bill is because I did not know of the bill.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XX/XX/2019 XXXX Purchase {$570.00} chosen ( 12 ) month interest free. 
XX/XX/2019 XXXX Refund {$120.00} credit to account for missing parts. 
XX/XX/2019 FINANCE CHARGE {$12.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$9.00} Disputed fees ( 12 ) month interest free. 

XX/XX/2019 Opened a dispute with Comenity Bank, issuer XXXX XXXX. 

Comenity Bank alleges, that option for ( 12 ) month interest free would have been available at checkout.

Customer, alleges that option was chosen as only two options we're presented at checkout. Option : ( 1 ) 3 % cash back or Option : ( 2 ) ( 12 ) month interest free. Option : ( 2 ) chosen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My current servicer, XXXX XXXX XXXX, has a charge on my monthly mortgage statement of {$1800.00}. They can not provide me with an explanation for the charge and only state that the amount has been transferred to them from Mr. Cooper. I would like an explanation of the {$1800.00} that Mr. Cooper transferred to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
For nine months I have tried to resolve a payment issue with HSBC ( XXXX ) bank credit card. Of nine payments that have cleared my bank, only two have posted the credit card statement. Whenever I call customer service, they never see the depositing their accounts. Twice I  sent copies of my bank statement only to never get official confirmation as to how they would handle the issue. In the month of XXXX, 2019 HSBC ( XXXX ) closed my account. 

Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$15000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express customer for over 20 years. I have spent millions of dollars both personally and for business across many cards over those years. I currently have three cards with AMEX. Two personal and one business. Three weeks ago I received a message that charging was suspended and all three cards. I have tried to call them 10+ times and the only answer I get back is that it is under investigation. I have NEVER missed a payment and I have paid my balance off 100 % of the time. I have a XXXX balance currently. Nothing makes sense and they won't allow me to use my cards. This is causing an extreme amount of hardship to not have access to my credit cards. I have contacted the office of the president of AMEX with no luck either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
My complaint is against Porsche financial services account # : ********XXXX, date open : XXXX, account closed and paid. Back on theXX/XX/XXXX, I sent to the mentioned company a letter to investigate the mentioned account because the bank account from XXXX XXXX, assigned to make payments to Porsche the fraudulent activity therefore my Porsche account incur to 2 late  payments XXXX and XX/XX/XXXX ( time we had fraud incident ), since the fraudulent account assign to make payments was frozen. Checking my reports, I notice that that Porsche a company that I personally appreciate making business with them, didnt even took the decency to mark my account as disputed after they received my dispute notice, they didnt investigate my account required by the Fair Credit Reporting Act, they totally disregarded my complete information sent to them to at least make an investigation. This is negligence, unfair business practice, never received a late payment insertion by mail and once I seat down with my lawyers Ill have half a dozen more violations. I dont want to take this case to court, but if I dont receive a deletion letter from the mentioned company, indicating to remove all negative marks, I will take this case to be decided by a judge. This is my last resource to get Porsches attention regarding my issue. I have a {$800000.00} mortgage pending because this negligence. Im attaching letter sent to company to investigate account, letter provided by bookkeeping company stating the fraud issue, Im attaching a XXXX account bank that indicates I had more than enough money to make the payment when the incident occurred ( all of this was initially sent to them ) and Im also attaching the proof of fax received by Porsche. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, my wallet was unfortunately stolen. I promptly called my creditors and had them cancel my debt cards. On XX/XX/XXXX, I received a piece of mail notifying me that a check under my identity had bounced. This came at a complete shock to me as I have never ordered checks from my bank. To be quite frank, I barley know how to write a check. On XX/XX/XXXX, I went to my local police station to file an identity theft case. The police officers advised me to call my creditors and freeze all my accounts due to the circumstances. From XX/XX/XXXX, I continuously received mail regarding NSF checks and collection notifications. I personally called each of these debt collectors and provided them with my case number. I also made a copy of each piece of mail I received and emailed that to a detective that was assigned to my case. 

A women was arrested earlier this year ( XX/XX/XXXX ) and had my licence, as well as many others, in her possession. She was put into a drug program and later missed her court date and is currently on the run. 

This women wrote approx 16 checks ( that i know of ) in my name totaling about {$3700.00}. That is not including all the added fees for the check bouncing in the first place. 

I am now in a place in my life where I am trying to buy a house with my boyfriend and its so crushing to know that something I had no part in is effecting us so greatly. I could not even get a loan for a car right now if I needed to do so and its very frustrating to be going through this at XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Global Lending Services LLC
State: AR

Complaint narrative:
I signed the deal on my car on XX/XX/XXXX. Apparently per the documents I signed the Ist payment was due on XX/XX/XXXX. However, I have yet to receive copies of the documents I signed. I called the dealer and was told that the deal just funded yesterday XX/XX/XXXX. How is it possible to be required to make a payment on a deal that did not fund yet. Furthermore I was told by the lender that I signed documentation agreeing to a {$8.00} or more a day interest charge on late payments that will be added to my loan along with a 5 % late fee. How is that legal? I had no idea the documents I signed contained such information. I asked the lender if I could cancel so to speak and was told that I could not. I called the dealership for a few different reasons. They just keep telling me that the signed documents will be mailed to me. Also the salesman promised me a full tank of gas and a detail on my car if I went online and gave a good review so I did that and now the dealer is telling me that they can not honor that because the salesman is no longer there. That is very bad business in my book. Is there anything I can do? Do I have any rights that were violated in this transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?

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 2019-10-03 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: NY

Complaint narrative:
I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!

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 2019-10-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I have received mail from Credit Collection Services saying I owe XXXX to a creditor named XXXX XXXX XXXX. The mail is addressed to my maiden name. I have not used that name in 24 years. I have carried insurance for 30 years and always pay my bills. My credit reports drawn yesterday are spotless. I believe this attempt to collect XXXX is a scam perpetrated by Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: GA

Complaint narrative:
Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!

Company response to consumer: Closed with explanation