vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MO

Complaint narrative:
First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Praxis Financial Solutions, Incorporated
State: TN

Complaint narrative:
I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.

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 2017-08-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
An agreement was found with XXXX for my student loans, an amount of {$41000.00}, in XX/XX/XXXX, where it was concluded to pay {$180.00} per month for ten years. The remained balance, from what they told me, would be considered as taxable income. The payments were scheduled to start on XX/XX/XXXX.
However, on XX/XX/XXXX, at XXXX XXXX, a call was received from XXXX XXXX, at ( XXXX ) XXXX, stating she is from XXXX XXXX which is a XXXX representative, and they work for XXXX XXXX. She switched the call to another person who sent me a link to verify whether all information is correct. Every time she asked me to click on a button, I saw my name. When I ask why my name is there? She replied this the new form used by XXXX now. I said stop, let me read, she said no, I will leave you a copy.
The bottom line, she never told me that my loans are going to be serviced by another institution called Navient.
Finally, I said let 's stop there, I have to talk to XXXX.
The business day, XX/XX/XXXX, XXXX was contacted and their response was : we are dealing with any company called XXXX, beware of scams.
The same day, XX/XX/XXXX, XXXX was called, no one answered. On the XX/XX/XXXX, I called again and left a message with a man named XXXX, asking him to tell XXXX to cancel everything that has been done the night of XX/XX/XXXX, .OnXX/XX/XXXX, XXXX  was contacted again, no response.. Immediately, I shoot an email to XXXX XXXX at : XXXX. A copy is attached.
Two weeks after, XXXX XXXX called me to confirm that everything has been cancelled. She even told me that the plan I have with XXXX to pay half, the balance will be a taxable income for you. And I replied : I do n't care, that 's what I want.
I sent a letter to XXXX about the fraudulent crime, explaining how XXXX XXXX has been used by Navient to collect student loans information in a scam way. A copy is attached.
About one month later, a letter was received from Navient, congratulating me, while stating : your loans have been processed. Immediately I sent a letter, urging them to reverse this loan. Three letters have been sent to them, they still disregard me. Copy of one of the letters is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NY

Complaint narrative:
Well the account not closed they just took XXXX out of my account on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One has consistently increased my interest rate on two of my credit cards despite that they are paid as agreed. I primarily make purchases, and they are only increasing the interest rate on purchases. For example, one credit card has been steadily increased to 23.65 although the cash advance percentage rate is 19.99. Th other credit card has a 18.90 interest rate on purchases that has also been gradually increased but the cash advance interest rate is 15.84. I also do not make cash advances on this account. Finally, the card I rarely use except to keep active ( I pay it off when making purchases ) has not been raised. The rate is 10.84 and the cash advance rate is 15.84. My credit score is well over XXXX. All my credit is paid as agreed. This is what is weird. It is well known in the industry that cash advances are a much higher risk than purchases, but the only account that has a lower cash advance rate is the card I rarely use. It appears Capital One is deliberately hiking rates on cards with active purchases in order to drown the customer in interest. I 've never been so disgusted with a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: FL

Complaint narrative:
I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
* Over the course of a year, Wells Fargo had been accepting Interest Only payments as I negotiated with them during efforts to reorganize personal finances.
* Wells accepted the I/O payments every month until recently they demanded back-dated principal, without notice, and threatened foreclosure if not paid immediately. * The above statement is contradicted by their acceptance and advising to make I/O payments, whilst also being cycled through their Home Preservation program qualifications.
* I now qualify for their Home Preservation program which would ensure no derogatory outcomes, and have been willing and able to continue paying on same terms. But then they do n't respond to me after providing me with the qualifying conditions, which I meet. * I have made great efforts to find resolution but always met with misleading, ambiguous, and inconclusive responses from multiple departments within Wells Fargo. * They are violating the terms of agreement and although I have demonstrated willingness, and qualifying factors for resolution via Home Preservation Program, they are denying me any clear response and verbally aggressive with foreclosure " intent '' when I speak with them. But then get different responses from other divisions that contradict their aggressive foreclosure threats.

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 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

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 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I noticed accounts listed on my credit report that I do not recognize. I have attempted to dispute directly with the creditor/collector and with the bureaus with no success and am now taking legal action. I have filed an identity theft report with the FTC and with XXXX XXXX KY Police. None of the medical bill son my account are mine. The XXXX bill is not mine. The inquiries are not mine. I could not list all of the accounts but XXXX XXXX XXXX is not mine. I contacted them and they are a daycare which I have never used. Also XXXX XXXX XXXX which is XXXX XXXX XXXX should not be on my credit as I was a co-applicant who did not reside there. I paid half of the debt which is indicated and they said they would remove my liability and remove from my report. The total was XXXX and I paid 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 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.

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 2017-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As of XXXX XXXX, 2017 I have been trying to dispute inaccurate information on my Equifax credit report. I have been unsuccessful at opening a dispute due to the online dispute portion of the Equifax website being " temporarily unavailable ''. I have tried several times a day since X/XX/17, and as of today XXXX  the Equifax online section to submit a dispute is still " temporary unavailable. On X/X/17 I called Equifax to inquire about the technical issues on there site. The Equifax representative informed me that he  could open a dispute over the phone. I was then asked questions to verify my identity. I then Informed the rep that I wanted to now put someone else on the phone who I authorized to speak on my behalf to better explain the reason for my dispute and give all supporting details for me because the Equifax rep was having trouble understanding many of the things I was saying, because of my accent. The Equifax rep told me that even though I felt that I could not fully explain myself, he was unwilling to speak to anyone else but myself even though I authorized it. I feel have not been giving a fair chance to dispute this hurtful inaccurate information in a timely matter, because # 1 the dispute portion of the website has been down for several days and counting, # 2 the Equifax repesenative refused to let me hand the phone to someone who would speak on my behalf to to open a detailed dispute without a language barrier in the way. I have yet to be able to open up a dispute. I feel like I was treated unfairly and not given the same opportunity as others to open a dispute and have detailed information verbally given to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible

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 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX NEEDS TO SEND ALL DOCUMENTS TO THE COURTHOUSE IN RESPONSE TO THE SUBPOENA SENT TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale.
Asked clerk to scan & verify the current amount on card, {$250.00}.
Amount correct, buys from seller.
Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.

Company response to consumer: Closed with explanation