vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
REPORTED DF address is Attn : Research Dept XXXX XXXX XXXX XXXX, XXXX XXXX, however as you see in the included image photo the alleged creditor XXXX XXXX XXXX, XXXX. failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY as the " returned letter '' states in clarity " Return to sender NO LONGER AT ADDRESS ''. How is this not misleading or even deceptive reporting practices? Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2018 Trash creditor with usurious lending practices. Swiftly and orderly remove junk fee of {$39.00} that you're not charging new customers to same card for. Unfairly charging me for credit card add-on benefits I did not receive. 

Spoke to Capital One on XX/XX/2018 to no avail. Drone like echoed Terms & Conditions while acknowledging fee is no longer charged for same card. Contradicted self after stating that during times they run a promotion for no " membership fee '' then they'll waive fee for current customers. Do not drag feet on this. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover Card - in its latest response - has provided this organization, and me, with information that it knows is incorrect. 

In its last response, it claims that it sent paperless responses and documents to an email address that corresponds to an email address that was included in its application. That email address - according to a XX/XX/2017 letter - was " XXXX. '' Upon sharing with them that I have never had an email address of that sort, they backed off. 

It wasn't until my most recent request for their method of delivering their statements are they now claiming that they email address they sent to the person that opened the account, is the same email address used on my correspondence to this agency, my email address : XXXX. 

So : 1. They can't provide anyone with a complete date when they got an application. 

2. There's a two-month gap between when they approved an application and when they mailed a card. 

3. They claim that they approved the account with supporting information, but refuse to provide the information they used when requested. 

4. They originally claimed - to me and to this agency - that they mailed physical statements ; now they claim that they emailed statements to the email address XXXX EVEN THOUGH they claimed to email statements to a XXXX address when asked about this is XX/XX/2017. 

REQUEST : I request that Discover provide this agency, and me, with proof of the email address they used to submit these statements. It shouldn't be hard to provide if you have an actual signed contract/application that you claim to have when you opened this account. 

Please keep in mind that I'm collecting all of your responses for the purposes of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 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: CA

Complaint narrative:
Company Name is NAVIENT. I received notification in XX/XX/2017 that I was a class member of a class action lawsuit that was filed against Navient. When I went to make my payment in XX/XX/2017, I had to phone them because I did not receive a statement and that is when I was told that there was " no payment due '' on the loan because it was placed in forbearance due to the class action lawsuit and that they could not accept payments. Navient also told me that I would be notified when payments would resume. So periodically over the past year I would check the account online or call them and would be informed that it was still in pending litigation and no payments are due. Once again I just checked my account online and noticed that still no payments are due but the unpaid balance was much higher. I wanted to view my account history to see what the additional charges were and it still is not available for my viewing. So had to phone them for the answer and was told that it has been accruing interest, interest rate increases and fee 's since they placed it in forbearance. I am furious because this was never disclosed to me and I suspect it was being hidden because the historical transaction history was never available for viewing. The CFPB needs to step in because if this is happening to me and I am only 1 class member just imagine how many others are also being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On or about XX/XX/XXXX and XXXX two fraudulent charges in the amount of {$150.00} plus a {$5.00} ATM fee was withdrawn from account. I noticed it on the XXXX and immediately went to Chase bank to inform them of what happened. They cancelled my debit card and reissued me another XXXX ; they also reversed the transactions pending an " investigation ''. About 2 weeks later I notice that the money was taken again from my account. When I called the investigation team at XXXX they informed me the claim was denied because " you used your pin at the XXXX XXXX XXXX in the XXXX ''. I live and work in XXXX, La. I asked them what do I need to do to prove that I was not in the XXXX so I can get my money back. They informed me I need to provide documentation that I was not in the XXXX. I had my employer write a letter and provide the time sheet proving that I was not in the XXXX. I went into the branch a few days ago and was told they had my information and I should receive a refund in 1-2 business days pending " investigation ''. Well today I checked my account and I still do not have my money back. I called the investigation team again and was told the claim was denied again because " I used my pin ''. I was not in the XXXX and I proved it to them, yet they still refuse to refund my money. Please tell me what more needs to happen for them to understand I did not leave the country, I was never in the XXXX and I did not complete this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This account World Omni Financial has submitted my account to collection wrongly. 
There was a case and we were working on settling the balance with XXXX XXXX  XXXX XXXX. XXXX stated they would wait while the balance of XXXX was being collected from the dealer of the new auto. It now says charged off and in fact has affected my credit score severely and as you can see this was paid on XX/XX/XXXX. We had been in many conversations and they had agreed to wait while I was speaking with XXXX. 
I was absolutely NOT negligent and need this to be corrected for my credit evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello- I have a XXXX  's store credit card. I do use it and currently have a XXXX   balance. In XX/XX/XXXX I received a letter stating that I was going to get-or being upgraded to an XXXX XXXX XXXX XXXX XXXX. I already have an XXXX XXXX card + I don't want to pay for another credit card. It is not clear if there is an extra yearly fee. I have until XX/XX/XXXX to decline the card. My issue is that I have tried to call the XXXX number and tried several times to log on to the XXXX address to decline the XXXX XXXX card. It sends me to the XXXX questions page. Please help. I don't want the card.

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 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I paid my interest-accruing balance in full and they charged me interest. This is a new card and I wish I would have known about their practices before I signed up with them. My previous statement balance was {$6800.00}, which included my purchases for that month, {$150.00} balance transfer fee and {$5000.00} balance transfer. I made a payment on XX/XX/XXXX for {$1800.00} prior to my due date of XX/XX/XXXX. This would have brought my statement balance to {$5000.00}. I have an auto-payment set up and made another payment on XX/XX/XXXX for {$270.00}. This would have brought my statement balance to {$4700.00}. There was no remaining balance to incur interest. The {$5000.00} that I transferred is 0 % interest/deferred interest for 18 months. I received my new statement and there was an interest charge of {$1.00} on XX/XX/XXXX. I spent over an hour on the phone with someone in XXXX and they continued to argue about it. I was not able to resolve it.

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 2018-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.

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 2018-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have parent loans with Navient. I became XXXX. They kept talking me into forbearance instead of income payment plan based on my XXXX and now my loan is so high I will never be able to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a checking account this past summer at US Bank. The account was closed a few months after opening it by the branch manager, XXXX XXXX because labeled the account as a " fraud account. '' In addition to closing the account, he charged me {$19.00} for a stop payment check discounting the facts. The account was not compromised. Additionally, the account was not overdrawn. I went into the local branch on XX/XX/2018 to discuss the issue because Mr. XXXX agreed to contact me prior to determining whether or not, he was going to close the account ; however, he did not. Upon arrival, Mr. XXXX greeted my daughter and I in a hostile, brash manner. His tone was abrasive and condescending. His deameanor was cold and unwelcoming ; very unconcerning and judgmental. After speaking with Mr. XXXX and providing him with evidence that the payment that was stopped was not within my control and action was taken against the company that stopped payment, Mr. XXXX assured me that the {$19.00} would be refunded within a week. It has been one month and I have yet to receive my refund in addition to me not receiving the {$200.00} incentive for opening the account because Mr. XXXX elected to close it.

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 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..

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 2018-09-14 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: TX

Complaint narrative:
As an INJURED consumer, I must state that I am currently without information or knowledge sufficient to form an opinion as to the truth or accuracy of the data providers claim ( s ), and based on that I elect to deny generally and specifically the accuser 's claim. Please demonstrate confirming testimonial certification physically verifying the absolute and irrefutable validity of every aspect of claim in its entirety to the undeniable full truth, correctness, completeness, ownership of, responsibility of, compliance of, and document evidentiary PROOF of the alleged compliant reporting or else eradicate any and all unproven, unverified, or uncertified aspects of derogatory reporting. Perfect lawful reporting is REQUIRED for you to possess legal standing so report in proven compliance immediately today, even here and right NOW! I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect METRO 2 FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : Account name TEXAS XXXX EMPLOYEES CU Account number 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 2018-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAVE A LOAN THROUGH CHASE AUTO I SENT IN A CEASE AND DESIST LETTER FOR PHONE CALLS DUE THEM CONSTANTLY CALLING 2-4 TIMES A DAY AFTER ACCOUNT BEING PD 5 DAYS PER THEIR POLICY AND CAUSING TROUBLE WITH MY JOB EVERY TIME THEY CALLED. AFTER THEY RECEIVED MY LETTER THEY MARKED MY ACCOUNT AS A " SPECIAL COLLECTIONS '' ACCOUNT WHICH DISABLED MY ABILITY TO MAKE PAYMENT THOUGH THEIR AUTOMATED SYSTEM AND OR ANY AGENT OTHER THAN THOSE HANDLING MY ACCOUNT WHICH IS A VERY LIMITED DEPARTMENT I USUALLY PAY MY ACCOUNT EVERY XXXX DAY OR SO DUE TO PAY PERIODS WHEN I ATTEMPTED TO MAKE PAYMENT THE AGENT REFUSED TO TAKE MY PAYMENT OVER THE PHONE AS HE CLAIMED I HAD TO ONLY SPEAK TO THIS FICTITIOUS DEPARTMENT MY ACCOUNT WAS PLACED UNDER I RECENTLY RAN MY CRDIT AN I AM SHOWING 2 30 DAY MARKINGS ON CREDIT DUE TO THEIR MARKINGS AND ACCOUNT RESTRICTIONS I DONT AGREE WITH REPORTING AS IF I HAD A REGULAR ACCOUNT LIKE A REGULAR CUSTOMER I WOULD HAVE BEEN ABLE TO MAKE PAYMENTS LIKE I ALWAYS DID NO ONE EVER NOTIFIED ME OF THIS SPECIAL COLLECTIONS DEPT AND NOR DID I GET NOTICES I HAD TO SPEAK TO LIVE AGENTS WITHIN THIS DEPARTMENT TO COMPLETE PAYMENT I WAS SET UP FOR FAILURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. 

in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. 


at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. 

In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.

Company response to consumer: Closed with explanation