vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 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: AZ

Complaint narrative:
I disputed an account on my credit report from XXXX XXXX XXXX XXXX and one or two of the credit reporting companies reported as closed and dispute under investigation on the other ones but I need it completely removed from my credit report because it is stopping me from getting into an apartment and also needs to be closed with the current disputing companies can you please correct this and remove it and close it and removed as well on any other credit reporting companies please and thank you the balance was {$3600.00} and it is for XXXX XXXX XXXX. Reports are from XXXX 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 non-monetary relief
Consumer complaint received 2018-11-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed up for a XXXX XXXX card in XX/XX/2018 by clicking on a promotional banner on XXXX 's website stating that I would receive XXXX XXXX points. I signed up because of the promotion to earn XXXX reward points. I remember distinctly because I was in the middle of a hotel reservation that I had to redo because the application took so long and I called my best friend right after to brag because she had only received XXXX points. 

I spent over {$20000.00} on the card between XXXX and this month ( XX/XX/2018 ) only to find out that I would not get the XXXX points, but by some error, I was enrolled to only get two free nights ( up to XXXX points ). By another error, my two free nights were canceled, I was told in an attempt to give me the XXXX points instead. Chase then refused to reissue the free nights or to issue the XXXX points. Chase 's customer service team told me three different stories the three times I called to inquire about the points. 

I believe that Chase lied to me repeatedly to keep my business, they did not stand by their advertised promotion ( which was the only reason I enrolled and used the card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018. WAYPOINT RESOURCE GROUP is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I've been paying on my loan forever. It keeps going back up to {$13000.00}. I have a family of XXXX and filed bankrupcy. Called the company and they gave me excuse after excuse. I also asked them about the forgiveness program nd they said I have to pay I dont qualify for anything.. I explained that the school I was going too closed down due to fraud. I shouldn't have to pay back. As I already paid the {$3500.00} I borrowed. 
We need justice and so many people are being robbed by this company. 

My account should be closed..reasons again.. 
Filed Bankrupcy Discharged Fed2018 Fraudulent School closed down I support a family of XXXX My account just was increased by {$5000.00} back to square one. 

They have everything on file as I tried getting this ressolved. 

Please help Desperate mother with faith

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Zingo Cash Illinois LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX WENT ON W/O WRITTEN SIGNATURES.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  on my transunion and XXXX delete, no written signatures.

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 2018-11-15 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX, XXXX XXXX, synroncy bank and XXXX  on my XXXX and XXXX  delete, no written signatures.

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 2018-11-15 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: Innovis
State: AR

Complaint narrative:
XXXX XXXX, cbc innovis, XXXX XXXX and XXXX on my XXXX and XXXX   delete, no written signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I have been paying on our XXXX XXXX XXXX.since XXXX.. I couldn't understand.why our balance has not gone down in.the last 3.years that is because the XXXX we have paid had all went.to.the interest rate..i tried talking to.them.to get lower rate.or payments..something .they won't work.with us.. now I'm behind due to family deaths and financial difficulty and now they r threatening to repossess it.. even.tho I have tried to get them.to help.me.and they won't. they r crooks. santander consumer usa

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: COMMERCE BANK
State: AR

Complaint narrative:
XXXX  IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES COMMERCE BANK AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
Contacted by Keith D Wiener & Assoc via mail on XX/XX/2018. I researched them and determined I do not owe this agency any money. A verification of debt was sent certified mail via usps on XX/XX/18, to date it is pending pick up ( tracking # XXXX ). On XX/XX/18 @ XXXX XXXX  I received a phone call from someone claiming to be from the county court as a process server from XXXX saying that they are trying to serve me papers to an address of XXXX XXXX XXXX ( not my address ). When asked who it was from and who they represented I was told that he can't release that information and I need to be home to be served. He then told me that if I don't get the papers it will be a failed attempt and it could result in further action against me. At that moment I felt I needed to end the call. After doing some digging I found a judgment online in my name from this agency. 

I reached out to Keith D Wiener & Assoc to find out what was going on and spoke with a XXXX XXXX. After trying to set up arrangements he told me that what I wanted to pay was not enough and I would need to send in pay stubs and they will determine the payment amount. I explained that if it was more that I stated then I wouldn't be able to pay. XXXX explained that they would not accept {$50.00} a month payments that they would just " file a judgment '' and garnish my wages. I explained that I want to pay the original of {$1200.00} amount and not the inflated amount of {$1600.00} which included their fees, again I was denied. 

I then asked for my login information to view my case on their website and was denied that information. At that point I wanted to speak with a supervisor. I called back and was transferred to XXXX XXXX the supervisor, I left a voice message and have not received a response. 

I did some research of my own and found that I have a court appearance in XXXX for this matter that I tried to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Bank Has An Promotion Going On where When Youu Open An Account They Give Youu {$250.00}. Its Been since XXXX  and whwn i seen The Promotion I Opened an account But Still Havent recieved My {$250.00}. Im Very Upset About It And Feel It Isnt fair. I Still See This Promotion Going On And Yet To Recieve My Money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/XXXX to CBNA for an account she never authorized. A formal dispute of this activity was mailed certified with return receipt to CBNA XX/XX/XXXX however as of this date CBNA has failed to reply to the status of the outcome or investigation. This is a violation of the FCRA.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a Citi Double Cash credit card with a {$1700.00} limit in XX/XX/XXXX. 

I kept it at that limit, but never missed a payment nor was never late with a payment. In XX/XX/XXXX, I made a {$500.00} payment and had a plan of action using the XXXX XXXX method to have the credit card paid off by years end with the goal being to pay off my debt and, in turn, bring up my credit score. 

Immediately after this {$500.00} payment, Citi Bank reduced my credit limit to {$1300.00}, compromising any potential gain in my credit score. When I called and asked to have the original credit limit reinstated on XX/XX/XXXX, both XXXX and XXXX of the Credit Line Management Department told me I signed off on this when I took the card, but I can submit a request to have the original credit limit reinstated. Reinstatement was denied. 

If I had been late with a payment or missed a payment or been a bad consumer in any way, I would let this go. However, I have been caring for two parents with XXXX, the second one recently dying. Im just now getting on my feet to pay off all debt from this juncture in life. I do the right thing in life on every front and a bank is the one that shoots me in the leg? 

Bottom line, I respectfully requested Citi Bank to reinstate my original credit limit, allowing my APPROPRIATE consumer action of paying off the debt and never being late with a payment or missing a payment to be correctly reflected on my credit score. 

However, after explaining the situation and requesting a reinstatement to help repair my credit score ( only low due to XXXX caregiving debt, no late payments ), Citi Bank replied with a no. 

I am now left with a reduced credit score instead of an increased credit score, simply because I tried to do the right thing.

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 2018-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: VA

Complaint narrative:
I am writing to request an inquiry into the mortgage servicing of Statebridge Company. My mortgage payment is due on the XXXX of every month. Statebridge prints my statement on the XXXX of every month and then at some point it is mailed to me. Last month, I received my statement in the mail on the XXXX and went to the post office the next morning to personally drop it off. Statebridge assessed me a late charge saying they didn't receive it until the XXXX. I also requested with my payment that Statebridge mail my future statements earlier. Statebridge did not mail my XXXX statement earlier as requested with my payment. Statebridge again dated it the XXXX and again mailed it some time after that. I did not receive my statement until Saturday, XX/XX/XXXX and the next earliest date I could mail my payment would have been Tuesday, XX/XX/XXXX due to the holiday. As such, I was forced to either pay my mortgage online, which incurs a fee charged by Statebridge, incur the cost of overnight delivery, or run the risk of a late fee since the post office can not deliver mail from Virginia to Colorado in a day. My inability to pay my mortgage without incurring a fee is due to Statebridge 's failure to adequately provide my statement in enough time to pay it without incurring additional unnecessary charges. I feel like Statebridge is scamming consumers with online payment fees or late fees because we have no other options when trying to make sure our payment is not late. The extraordinary costs involved with refinancing a mortgage due to a poor mortgage servicing company makes this a difficult situation and not an easy fix unless Statebridge corrects its practices. I called Statebridge on  Saturday, XX/XX/XXXX and left a message to resolve this matter, and to date, nobody has returned my call. I also followed up with another request via email. As of the time of submitting this complaint, Statebridge has not contacted me, nor resolved my concerns. Your help with this complaint is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.

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 2018-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CA

Complaint narrative:
I made a complaint below to chase bank credit card services to dispute charges from XXXX and to my dismay I got a call from a chase outsourced facility and a XXXX lady had a heavy accent and not sure if she understand my complaint at all. Chase card is boasting Sapphire customers dont have to worry about unnecessary charges during travel and this is indeed a service charge due to system malfunctioning. 
I made a reservation through XXXX web site from XXXX XXXX to XXXX XXXX XXXX. Once I received confirmation email as per attached doc everything looks correct including my last name in the email body. 
But I was asked to pay extra {$50.00} e since XXXX web site is malfunctioning. To prove my point I reserved seat XXXX from their web site away from toilet and I got a seat close to toilet due to system malfunctioning. I was trying to sit far away from toilet and due to this system malfunction I was sitting close to toilet and had headaches throughout flight since I am allergic to smell and also couldnt sleep well at all during XXXX hour flight and got caught up with flu and had to see doctors. Their flight crew is extremely unfriendly and didnt provide me a seat away from toilet despite fact their system cancelled my original seat reservation due to malfunctioning. XXXX  were not responding to XXXX complaints at all and their XXXX ratings were F

Company response to consumer: Closed with monetary relief