vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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: NC

Complaint narrative:
I called Capital One Credit card today and attempted to re open a dispute against XXXX XXXX XXXX XXXX for {$500.00}. I submitted additional information requested however it was rejected.The representative told me that Master Card would not accept the documents submitted. I submitted a second opinion, detailed explanation of why the charges was fraudulent and quoted North Carolina regulations. If the merchant committed fraud either by misrepresentation or illegal deception as in this case I should not be bound to pay. Master Card has not provided a detailed explanation why it refused my documentation.I would also like Master Card to provide the regulation it based it decision and provided the person name who made the decision and department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not mail my updated copy of corrected information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase allowed two fraudulent withdrawals from my checking account. According to the Police Detective in XXXX, AZ that spoke with one of two XXXX Reservation Casinos the following occurred. A male created fake checks using his name with my account number and routing number. He was able to cash two checks in the amount of {$1000.00} and {$4000.00} and establish a line of credit at the XXXX XXXX XXXX   XXXX in AZ using my checking account info for {$30000.00}. I am the only authorized person on my account, am not male, and was not at the casino. The casino has the name of the male individual who presented the checks. 

Chase refuses to open a dispute for the {$4000.00} transaction and has only sent the documents to a local bank for me to sign to dispute the {$1000.00} transaction. Chase claims the identity theft and fraudulent withdrawals are beyond their 60 day limit of liability. 

Chase never notified me or contacted me about the checks nor the line of credit established for {$30000.00} at the Casino. 

I have written 4 checks on this account the entire year. I have never been to these casinos and was not in the state when they occurred. The withdrawals are completely outside of any banking activity I have ever conducted. 

I am unable to pay my mortgage in XX/XX/XXXX due on the XX/XX/XXXX because of the illegal withdrawal of funds. I also pay my credit card, also with Chase from this account and can not pay the amount in full as well. I never carry a balance on my card and thus will incur a finance charge. My mortgage company has no provisions for missing a payment of deferring a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has not sent out updated copy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. 

Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. 

PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). 

PNC advised to report the card that never arrived lost / stolen. 

Now they obviously issued a new card and sent it to the old address again. 

There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. 
I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. 

I enclose activity reports for this year - so you can verify we are talking about real - active accounts. 

Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust. 
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor. 
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did not authorize an increase in my insurance premium filed a claim for {$760.00} ; I have to wait 10 days per bank also there's an unauthorized {$140.00} against my account had to file another claim with an out of country service company in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX increased my credit line on XX/XX/XXXX to {$6800.00}. On XX/XX/XXXX I received a decrease in credit to the balance of {$4300.00} which had an adverse affect on my credit. My credit usage went from 63 % to 93 % this caused my score to be lowered by 12 points. I called ( I'm not sure what date ) to inquire  about the decrease and it was confirmed accurate and was stated based on the activity on my report. On XX/XX/XXXX there was an alert on my credit report for over or at the credit limit. I called on XX/XX/XXXX and was advised that the minimum payment that was stated on my bill was not the actual minimum amount and that a higher amount was needed to cover the minimum. I was also advised there was a credit protection on my account which was causing additional interest on my account every month. I received a letter dated XX/XX/XXXX that states my credit was accessed on XX/XX/XXXX and my credit limit was again be decreased to the balance of {$3200.00}. This decrease was reflected on my credit report on XX/XX/XXXX having an additional adverse affect on my credit score. One of the reasons they use for lowering my limit is " Proportion of balances to credit limits on Bank/National revolving or other revolving accounts is too high '', however, they have been the reason that the credit limits are too high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent/XXXX  XXXX  keeps sending a bill in which is over 7 years with wording stating if I pay I'm agreeing to reinstate the date of statue of limitations which is not a valid date I keep getting letters one after another from the same company reworded or some kind of trick to reinstate the debt in which they have different dates or change. the debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My car was repossessed on XX/XX/2018 by Chase Auto Finance. I I called the bank and offered to redeem the loan and get my car back but was told to call back after 24 hours.

I did call back after 24 hours and every 24 hours for the next ten days before I was provided a redemption amount and methods of payment. I was also asked to pay {$15.00} per day storage fees for the ten days the car had been with the repo company.

These ten days of storage came about through no fault of mine but the bank still insisted I was liable for the storage fees. I offered to pay off on the same day the car was repossessed but the bank took 10 days to allow for redemption and then asked me to pay {$150.00} storage fees for those 10 days. 

This is exploitative and sounds like a scheme between the bank and the repo company to rip off customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NY

Complaint narrative:
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies Equfax / XXXX   and XXXX XXXX and never received a response in over 4 years from either. 
4. Equifax/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX 5 . To many names to remember over the past 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GREAT LAKES
State: TX

Complaint narrative:
Someone used my identity to ATTEND COLLEGE disburstments were made funds were never recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I contacted Lincoln Automotive Financial where my car loan is processed and advised them that I would need to send the payment through XXXX XXXX as my payment was due on the XXXX.. I was given my account number and told to send it to XXXX XXXX. I did so at the XXXX XXXX in XXXX Colorado on XXXX and XXXX in the amount of {$640.00}, which included the payment of XXXX and {$7.00} for the XXXX XXXX fee. Tracking # XXXX A few days after the I began receiving calls from Lincoln Automotive Financial and was told that they did not receive the payment. I was told to call XXXX XXXX to make sure it was sent. I did so and was told that it had been sent to XXXX XXXX. I called Lincoln Automotive Financial again and was told they would review their records and call me back. 

On XX/XX/XXXX, I received a call from XXXX at Lincoln Automotive Financial that they still had not received the payment and that I needed to contact XXXX XXXX again and call her back. She asked me to fax her a copy of my receipts. I did so. I made approximately 10 calls this day back and forth from Lincoln Automotive Financial and XXXX XXXX and the results were that the money should have been sent to Lincoln Automotive Financial but XXXX XXXX sent the money to XXXX XXXX ( the wrong company ). XXXX XXXX stated they would begin the process to get this corrected and I should call back on Monday of the next week. The case # is XXXX. 

I called back to XXXX XXXX and was told that they needed the city in which the payment was to be sent. I called Lincoln Automotive Financial and was told XXXX, MI. I then called XXXX XXXX back and was told that they would get back to me in a few days after they received the money back. 

I called XXXX XXXX the following Monday, ( Which is now XX/XX/XXXX. ) and was told that they are not receiving a response from XXXX XXXX to get the refund. That they would escalate the claim and get back to me in a few days. 

I called on XX/XX/XXXX and I still have not received a response to where my money is. I was dinged on my credit with a late payment by Lincoln Automotive Financial due to the fact the money was not sent to Lincoln Automotive Financial because I told to send it to XXXX XXXX by the Lincoln Automotive Financial representative. 

I want the money returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: TX

Complaint narrative:
Navient happened. 

Approx XXXX, a Navient employee convinced me to consolidate all of my law school loans ( all $ XXXX ) into the XXXX XXXX XXXX loan, telling me I would automatically be entered into the PSLF if I did. I later found out this was a lie, because my loans would be with XXXX XXXX if I had. And my loan balance has increased to $ XXXX. 

XX/XX/XXXX, I re-certified both my student loans with Navient : XXXX XXXX ( due on the XXXX of each month ) and XXXX ( due on the XXXX of each month ). My payments for XXXX XXXX drastically increased from XXXX {$390.00} to over {$500.00}. XXXX remained the same at {$81.00}. I kept getting e-mails to re-certify my XXXX loans or my payments would go up to {$300.00} beginning in XXXX, putting my total balance owed to Navient - and not counting my bar loan - to over $ 900/mo which greatly exceeds 15 % of my monthly discretionary income. 

I logged into the appropriate site and found that I re-certified in XX/XX/XXXXXXXX. No re-certification is necessary. Instead, what appeared to have happened was that Navient ignored that I re-certified for the second loan and erroneously sent the recertification notices and improperly charged me for my law school loans. 

On the afternoon of Friday, XX/XX/XXXX, I called Navient and spoke with XXXX XXXX. I told him the issues and that I can not afford the $ 900+/mo payment. He immediately gave platitudes and I told him to knock it off. I don't want platitudes. His solution was forbearance. I told him this was not a viable option. Then he suggested I roll my XXXX loan balance ( 2.5 % ) into my law school balance ( 6.0 % ) and that would get me a lower rate. I told him XXXX no. That benefits his company, not me. Why would I roll a lower interest rate loan into a higher one? 

He simply offered to research the issue, but recognized the issue as I described above : Navient failed to properly account for the re-certification.

On top of all this, just before calling, I enrolled from IBR to PAYE.

Company response to consumer: Closed with explanation