vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I closed my XXXX last XX/XX/XXXX and also closed my Costco account. 
I got a credit from Costco on XX/XX/2016 for {$55.00} on the XXXX that I then closed. Costco changed credit card companies months later and I got a new Citi ( Costco ) card that I did not want or order. I never activated it. Now almost a year later I am getting late notices from Citi that I have not paid my bill and they have added {$25.00} in late fees. 
I called them last month and told them I never opened a card and they said that they would close it. So now today I get another bill from Citi that I am XXXX past due. This is fraudulent since I never opened the card and at the time of their transition, I was not a customer of XXXX or Costco. I have great credit and now it will be wrecked over this fraudulent charge. I am getting no where with Citi.

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 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: NY

Complaint narrative:
On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt. 

I have been contacted and Harassed by this company and every collection agency they sent this off to for years now. 

In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX  "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX XXXX, I enlisted in the XXXX XXXX and a credit report was required, when I obtained my credit report I found several discrepancies. I then made contact with all XXXX credit bureaus to correct them. It been XXXX years, and there are several things that are still on my Experian credit report. The below listed items are still on the Experian credit report : XXXX XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX, XXXX ( I opened my very XXXX credit card with XXXX in XXXX, Ive never had a XXXX card ) XXXX XXXX XXXX student loans, dated XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old, still in high school ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX missed payments XX/XX/XXXX, XX/XX/XXXX XXXX ( I was XXXX in XXXX with the XXXX XXXX XX/XX/XXXX-XX/XX/XXXX and Ive never owned a home ) I will attach a copy of the credit report to this file. 

All of the above listed are still on my Expieran credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Capital One Bank purposefully and deceitfully blocks my application process for checking account despite I was targeted by them in a mailing. 
The answer provided by their office of the president is fictitious and it is meant to confuse and deceive. Both my PC requirements and the public library confirmed they meet browser criteria specified by message below. Capital One continues to block my application process and when I requested an alternative to solving the issues it was denied. 
Office of the President & lt ; XXXX & gt ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Capital One CID:XXXX Capital One CID : XXXX CFPB Case No. : XXXX Dear XXXX, I appreciate you taking the time to speak with me on XX/XX/2017, regarding your inability to open a 360 Checking online. As discussed during our call, I wanted to follow up. 

After reaching out to our Technology Team, they discovered that you 're using an unsupported browser for the best experience when opening an account. Below is a list of supported browsers. 

Google Chrome : 55 Mozilla Firefox : 50 Internet Explorer : 11 Safari : 10 Chrome Mobile : 54 iPhone iOS : 10 iPad iOS : 10 If you have any questions pertaining to this letter, please give me a call at XXXX. I 'm generally available from XXXX to XXXX CT, Monday through Friday. 

Thanks, XXXX Office of the President Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have complained to XXXX XXXX and filed a complaint with the PA AG 's office. This account was overcharged for usage and wireless internet access for over XXXX months. Now XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past XXXX years. Per the PA AG 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on Transunion and XXXX credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This account has been in dispute with XXXX and Transunion came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from XXXX so I redisputedit. It came back verified with transunion. 


XXXXTransUnionAccount DetailsLast XX/XX/XXXXXXXX XXXX TypeEducation LoanStudentAccount StatusClosedClosed - TransferredOpened XX/XX/XXXX XX/XX/XXXX DateXX/XX/XXXX XXXX, XXXX XXXX, XXXX -- -- Term -- -- Monthly Payment {$140.00} $ XXXXResponsibilityIndividual Account. 
IndividualBalance {$0.00} $ 0Highest Balance {$14000.00} $ XXXX StatusCurrentCurrentWorst Payment Status -- Late 120 DaysDate of Last Payment -- -- Amount Past Due -- $ XXXXTimes XXXX Days XXXX disputes - reinvestigation in progressTransfer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX this account is coming up to its seven years on my credit report now and is suppose to come off i disputed the item with Transunion and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the XXXX date of delinquency Transunion is showing is XXXX XXXX witch will be seven years in to months to my acknowledgement information is generally removed seven years from initial missed payment that led to delinquency and this item estimated to come off in XXXX XXXX the date for removal is over seven years and would like to have this deleted from my Transunion file early if possible or in XXXX XXXX when its seven years from its XXXX delinquency XXXX. 
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am paying an exit fee of a {$100000.00} just for leaving XXXX University. I am very concerned, for I should not be paying this just to leave. It says that it is to pay off my XXXX Loan, on the XXXX which is also through Navient. I pay {$53.00} every 20 days and now that amount is going to be boosted up to {$120.00} come XXXX XXXX because it 's not after the grace period? which I am not sure what that completely means. I have talked to them about this but they have n't fully explained. They just change the subject and do n't actually answer the questions I ask. I just recently started paying off my students loans of {$340.00} a month. I do n't think I should be paying an exit for leaving school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Several years ago I enrolled in automatic payments and unfortunately did n't do my due diligence on following up with the loan provider. Logging in our account and seeing were our money has gone has been incredibly devastating. I am a XXXX and graduated from a college that is now closed. 

School : XXXX ( now closed ) Loans : XXXX {$28000.00}, and XXXX {$22000.00} TOTAL AMOUNT : {$50000.00} Payments started XXXX, with the first payment being {$25000.00}. It was NOT applied toward the principal balance XXXX Automatic monthly payments of {$240.00} were setup XXXX/XXXX/XXXX payments increased to {$250.00} XXXX/XXXX/XXXX payments increased to {$280.00} Since XXXX/XXXX/XXXX Navient has been charging LATE FEES ranging from {$13.00} - {$30.00} even though I am enrolled in automatic payments. 
95 % of payments have been applied towards INTEREST and FEES. 

The loan reflects a XXXX % variable interest rate. As of today, XXXX there is a principal balance of {$24000.00} and {$15000.00}, totaling {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
I have the same name as my father, he had internet service with XXXX in 2013. He informed me he closed the account. This may have been a credit file mix up but i assure you this is not my debt. I recently discovered this earlier this week. I need this removed immediately because this is effecting my credit and I have nothing to do with this. It was falsely put onto my credit report and I had no idea.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am being charged a {$34.00} insuffivient funds fee for check # XXXX I see this as un fair practice due to the fact that this check actually cleared way past business hours on Friday XX/XX/2017. I know this for a fact because I sent out a quickpay payment to my brother in the amount of {$34.00} at approximately XXXX. He then asked me around XXXX for another {$10.00} in which I logged in to see If I was able to lend him the money. I then realized i did not have an extra {$10.00} in which at that time the {$59.00} check had not posted. By Chase policy cut off time for quickpay iss XXXX. I see it very unfair if they are waiting for XXXX to charge checks to get a {$34.00} fee out of it. It is wrong and unfair to the consumer and point blank robbery. And im sure everytrhing is time stamped in transaction histories and log in histories so all this can be checked it is a fact. JP Morgan chase used to be a fair and convenient bank. With new policies and procedures it is not even worth to bank with them Anymore. " Courtesy refunds '' should be for clients and situations in which the client purposely overdrafts their account or has an emergency not for situations like this current one in which the financial institution cashes a bank past business hours in an unfair hour. You shouldnt expect someone to run to an ATM past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
My loan was distributed from the XXXX to my university, Argosy University XXXX, and applied to my account on XXXX XXXX, 2016, which I have screen shots of on my computer to verify. However, Argosy University refused to release my funds to me, including an XXXX dollar XXXX loan to pay for my living expenses and a XXXX dollar scholarship. Argosy released my funds on XXXX XXXX, 2016, but not to me directly, and when I asked the financial aid advisor, XXXX XXXX, where my funds were, he informed me that he did not know, to which I have him on a voice recording saying such. When I asked XXXX if Argosy still had my funds, he said, " Yes, we still have them, they 're here, '' to which I also have him on record stating. I asked XXXX to release the funds and scholarship to me, to which he replied that Argosy could not do so, and that they had to be released through XXXX, and that I would have to contact them for setting up Direct Deposit and accessing my loans. When I asked XXXX for the contact information of XXXX, he gave me a false phone number that directed me to time share, vacation home, and credit card offers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation