vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX  XXXX  calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, 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 explanation
Consumer complaint received 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
- I had an XXXX issued Fidelity Rewards credit card since XX/XX/XXXX. On XX/XX/XXXX, I made my usual online payment from my XXXX checking account of the balance of the XXXX card which was {$740.00} and received a confirmation number for the payment. On my next statement, I see that the payment has been reversed and I have been charged a " Returned Payment Fee ''. I call XXXX and they explain the reversed payment and the fee are due to my checking account not having sufficient funds at time of payment. I call XXXX and they confirm that my checking account DID have sufficient funds, also they have no record of XXXX electronically requesting payment. 

- In fact, this issue occurred at least twice before. My on-time payment on XX/XX/XXXX of the balance {$3800.00} was reversed on XX/XX/XXXX and a Returned Payment Fee was also applied. In this case ( and one other case for which I do not have the dates/amounts on hand ) I was able to get XXXX Customer Service and XXXX Customer Service on the same conference call, XXXX stated that their payment request was returned with a response of " insufficient funds '' and XXXX replied that I had sufficient funds on the payment transaction date and that they never received a request for payment from XXXX. Ultimately it was decided there was a glitch with the electronic payment system and the returned payment fees were dropped from my account and I rescheduled the balance payments. 

- For the instance on XX/XX/XXXX, the Customer representative I spoke to at XXXX refused to participate in a call in XXXX, or contact XXXX on a separate call to verify that I had sufficient funds on that day, or to address my issue at all. Since this problem with payment has occurred at least three occasions, two which took considerable time and inconvenience to resolve, one which is still unresolved, I decided to close the credit card account. I paid off the purchases. I did not pay the returned payment fees or the interest because if my payment had been processed as scheduled, there would not be any interest or 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 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Back on XX/XX/2019 my Kohls charge reflects a charge of {$350.00} With no items that could it discribes the charges. 
The store in question where the charges were from, I havent visited since the month of XXXX nor I ever purchased that amount at once on any kohls stores Several times I contacted kohls customer service without an answer all they said is the they are investigating and Im certainly didnt make such a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called XXXX XXXX in the amount of {$950.00} opened on XX/XX/2018 without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX is the originator of the complaint and the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a XXXX  XXXX in California at a low income XXXX XXXX. I learned in XX/XX/XXXX that I may qualify for the XXXX loan forgiveness program. I applied for the forgiveness program through my lender, Nelnet and my lender told me that my XXXX had not yet reached the 5-consecutive years for me to qualify. My lender then informed me about forbearance I could apply for. They also told me that interest would continue to accrue, however, since the forgiveness amount ( up to {$17000.00} ) far exceeded my current balance ( close to {$9000.00} ), this was a reasonable option for me since I would be able to fully qualify in XX/XX/XXXX. So, I applied for forbearance in XX/XX/XXXX and XX/XX/XXXX and was approved by Nelnet. This year I applied again, however, this time I was denied. Nelnet informed me that since I had an outstanding student loan before XX/XX/XXXX, I did not qualify for the XXXX loan forgiveness loan. The loan I was seeking to have forgiven was established in XX/XX/XXXX and was for my XXXX degree. The loan from XX/XX/XXXX was for my XXXX degree and was paid off long before I took out the XX/XX/XXXX loan. Nelnet then informed me that it was their mistake for allowing the forbearance for the past two years. I then complained saying that interest has been accruing and at this point I would have had only 2 years left on my note. Now I have 4 years plus additional interest due to the forbearance causing my monthly payment to be {$50.00} more than it was back in XX/XX/XXXX. When I asked the Nelnet advisor how they planned to monetarily fix their mistake, they said there was nothing they could do. The only action available to me was for the Nelnet advisor to type up a formal complaint. This discussion took place on XX/XX/XXXX. Is there any further action I can take to remedy to additional interest that was added to my account? 

The two screenshots I attached shows how the balance has changed due to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For the Second time ( 2016 ) I was contacted through mail from bank of america that I owe money to their firm. I have enclosed my judgement proof of XXXX ( XXXX XXXX XXXX ) as well as XXXX XXXX XXXX  check stubs to provide proof of my claim

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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
Was notified via credit monitoring my credit report changed. 
BC Services Inc placed 2 collections on my report. 
Called BC Services to get back up, they stated they did not have but was for medical collections. 
Called XXXX First collection {$130.00} Second collection {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/2018 I opened a new Citi checking account stating I would receive a {$400.00} bonus if terms were met. I met required terms and on XX/XX/2018 I received an Email stating congratulations you have earned a {$400.00} bonus. After multiple calls and chats being told I got it but just needed to keep waiting it still has not been credited.

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 2019-04-03 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: TX

Complaint narrative:
I am a victim of identity theft and the accounts on my Equifax report I have no knowledge about nor was created with my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient told me multiple times that a Graduated Repayment plan would count for the Public Service Loan Forgiveness program. It does not. And I paid three years into the program under that plan before switching to a qualifying Income Based Repayment plan. I am now three years behind on qualifying payments for the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Follow up to CFPB Complaint XXXX US Bank made a response however they still can not provide wet ink documents showing that when the loan began that I would be charged {$5.00} per payment made after the 3rd day of the month using the USBANK website to make payments. 

This is a violation of Regulatory Violation of the Responsible Servicing Regulation. US Bank failed to provide me with all charges that are associated with making payments via the online US BANK website when the loan was orginated. Nothing in my documents that I recieved from US BANK at the loan orgianation indicated that I would be charged {$5.00} per month for payments made after the 3rd of the month. 

US Bank states that the fee is only happens if I make the payment after the 3rd of the month or if I don't use a US BANK branch or have a checking account w/US Bank to make the payment. However regardless to what is now verbally stated at no time did US BANK disclose this fee at the loan origanation. 

Futhermore, when I contacted US BANK for a status update on XX/XX/19 I was advised fist by Phone agent XXXX that the bank refunded were for Internet Fee 's for 4 months, however the letter from US BANK dated XX/XX/19 states the refund or reimbursement amount is for Stop Payment and/or OVerdraft Fee 's which I incurred. This of course is false and was never an issue. XXXX transfered me to XXXX XXXX who stated the same as XXXX, I was then transfered to a Supervisor who spoke to me and was adamit the remibursement was for the above stated reason. Finally the supervisor transfered me to XXXX in Customer Advocey ( XXXX ). 

XXXX stated the reimbursement dated XX/XX/19 was for in fact the reason listed above and NOT internet charge fee 's for month 's as XXXX stated in her response letter. She said that on XX/XX/19 no further information was ready from Customer Advocey and that I would respond later.

Clearly this shows that US BANK is well organized hence these erroneous charges of {$5.00} to make an online payment need to be refunded. As stated in my orginal complaint I am seeking 100 % reimbursement of these fee 's since the inception of my first online payment to US BANK. As well interest and the cost of my lost time dealing with this 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 2019-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I've asked American Express Personal Savings to close my account and mail a check for what's in my account of {$500.00}. I need the account closed and a check mailed to me as soon as possible for what's in my account and there holding the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: NJ

Complaint narrative:
I was struggling to make payments with Navient, and getting bombarded with phone calls saying that a payment wasn't made. I would say a payment was made on this day and they would say sorry give a 24-48 hours to show up for us, this would happen a couple times a week. I would go online and see fees and have no idea where they came from, my account would show not current while payments were being made. While I would get these calls telling them a payment was in fact made, I would say this is really hard, I need my payments lowered. I was told by a representative that they didn't want to insult me on how to make my payments. I couldn't take the phone calls, or the struggle, or just the rudeness of the employees anymore so I missed a couple payments. In XXXX, I was told that no one worked hard enough to lower my payments and infect my interest rate could have been lowered. I was distraught because this has been a struggle, I had a baby 10 months ago so I had this added expense as well. I was asking for a contract saying that this is what my payments would be if in fact my interest rate could be lowered and was told they can only do this verbally and also if my debit card was on file. After everything I did not want to have an automatic payment from this company. I have been trying to get an attorney to help me deal with them and I can not find one that is willing to take me on, one in my budget that is or deal with this company. Two attorneys said that they do not deal with Navient. I just want to pay back my loans without being insulted or depriving my daughter of things that she needs and being able to pay my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NM

Complaint narrative:
Diversified consultant XXXX is reporting on my credit and I have never received anything from them. I do not owe XXXX anyways because back then we got XXXX & we paid our final bills. I don't even know what this is for and the last time we had sprint was well over 4 years ago so this debt is past the statute of limitations also. 
XXXX should have no charges for me under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX Merchant : XXXX Date of Transaction : XXXX Disputed Amount : {$31.00} Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise/services included in my original dispute. Someone hacked my account at this merchant and impersonated me. If you " XXXX '' this merchant and the word lawsuits or complaints, this merchant has a terrible reputation and has several XXXX dollar lawsuits alleging fraud by the merchant. 
The documentation page provided by the merchant is insignificant in the following ways : The merchant " cut and pasted '' a boiler plate reused statement concerning the terms and conditions of service. This is not applicable to me since I never signed up for this service on XX/XX/19 nor authorized anyone, my account was hacked at this merchant. 
The merchant claimed that I did not cancel the subscription. This is not applicable because I never knew about the subscription. 
Based on the inadequate information provided by the merchant, please continue the above captioned billing dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: HI

Complaint narrative:
I tried several times to enroll in the public service loan program. I was told by several representatives I needed to be in a certain program. I changed programs and completed the paperwork. I called several times and was told my months are accruing and I will get a report at the end of year. This did not happen. When I was up for renewal, they told me I had to consolidate my loans. I did this in XXXX and filled the paperwork out again. I renewed yearly and was told in XXXX, I only had 13 qualified payments. I have worked with the government since XXXX. I just would like to get the seven year credit of payments and the current year totaling 8. I have not received all allowed payments toward my PSLF because every time there was a problem with my paperwork. Nothing has changed with the Department of Defense as far as I know. My jobs change internally but this should not make that big of a difference. I know my time is longer but I will accept 8 total years, this is madness. I have scanned the copies I have but the other copies were done electronically. Most of my paperwork is in storage due to us XXXX back to the mainland. Fedloan did acknowledge receiving all of the PSLF applications and employee verification. I have read many individuals are having this problem and they are being sued for not being transparent. I have sat on the phone for many hours trying to resolve this yearly. They say the calls are recorded, this would be great to get to see where they are misleading people. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has wrong information on my credit I have disputed it and no positive outcome. Equifax has me locked I cant get credit with XXXX XXXX because when dish network runs my credit it asked to give questions and they push yes to the answer and the system says unable to verify consumers identity please try again in 24 hours and this has been going on since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
onXX/XX/2019, I sent MCM a debt validation letter which stated that they must cease contacting me by way of phone, and that the only acceptable communication was through mail. On XX/XX/2019 they sent me back a computerized letter, without a wet ink signature, simply stating that the debt had been validated as accurate. Nothing more was provided, and therefor they are in direct violation of FDCPA laws. On XX/XX/2019 I replied to this letter in which I stated that they are to cease and desist all contact except by way of mail and that the debt needed to be accurately validated, per the laws set forth for collection and collection agencies or the debt needed to be deleted immediately from all CRA reports immediately as they did not validate it within the 30 day given time frame. On 04/03/2019 I received an email from MCM contacting me about the alleged debt. This is a direct violation of federal law, FDCPA ( XXXX XXXX. XXXX to XXXX )! I will take further legal action if necessary if my demands set forth in myXX/XX/XXXX letter are not met expediently

Company response to consumer: Closed with non-monetary relief