vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I found out end of XX/XX/XXXX that there was an account for a credit card I didn't recognize, this account is showing on my report and the bank is Navy federal credit Union. My ex-husband open and used this account on his own with my information, without my consent.I called NFCU and they help me report the fraudulent account, however, they are telling me that since the account was set up in my name I'm responsible for any balance. XXXX XXXX had set up the account using his email, phone number, mailing address, setting up username and password as well. it seems that has been using this account to pay off credit cards on his name making balance transfers electronically. I believe he was not able to open an account on his name with NFCU due to the fact that he previously filed bakruptcy. Also, I remarried and changed my name legally in 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 2019-05-23 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: GA

Complaint narrative:
I requested a transfer balance from XXXX XXXX to pay off my Capital one account due to the high interest rate. The transfer was to be processed in time to pay the balance in full by XXXX XXXX ( this has been going on for so long I cant remember ). When XXXX XXXX sent the transfer it was not accepted by Capital one ... .is this possibly a way to keep it from posting to get more interest posted??? Anyway, XXXX XXXX had to sent me a paper check to forward to Capital One ( which in these days of technology I question ). Nonetheless, I sent the paper check, but by now so much time has passed that interest did post, which is the interest I disputed with the customer service department, who sent me to the payment department, to which I faxed a letter of explanation and a copy of the letter from XXXX XXXX indicating that the transfer was not processed and thereby a check was being sent to be forwarded by me.. in all my years of a couple balance transfers, never had this happen ) Once I saw that the balance was down to XXXX, I discarded the previous conversations I had with Capital One employees, but I am sure they have correspondence and dicta phone recordings to verify which can be tracked from my home phone. 
I did start keeping my notes again when the new charges were billed. On XX/XX/2019 at approximately XXXX XXXX I spoke with XXXX. He stated he did see the previous info on my account and that he couldn't adjust the interest, but could transfer me to a supervisor when they arrived in about 2 minutes ( by this time I assume it was about XXXX and they arrive at XXXX, but for some reason, my notes indicate I didn't speak with XXXX until about XXXX XXXX ). XXXX, the supervisor, stated she could not waive the interest due to the previous interest being reversed. I tried to explain, once again, what happened, but it was to no avail. 
Capital One credited my card by reversing the finance charges, I paid a new charge as soon as I saw it posted to insure the balance stayed at XXXX, then I still get yet another bill for interest in the amount of {$22.00}. It's like a never ending cycle. I called but was informed that since they reversed the previous interest there was nothing they could do. 
If the interest was reversed to correct the error, then I'm charged interest again due to the fact that it took so long to get the error corrected, as for what I have been told the new interest is due to the account not being paid in full ( But it's due to the interest that I had to get reversed, all other charges were paid!!!!!! ). How is it that I should now pay interest for previous interest that was charged and reversed? 
Anyway, I do not feel the interest should remain due to the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened the account in 2012. The offering was XXXX miles award on XXXX XXXX after the first $ XXXX spent and XXXX miles every year thereafter. I did not see my award this past XXXX so I called chase. They claim that the bank did away with that promotion and switched to another offering. This unilateral switcharoo hardly seems legal to me. I expect them to honor the initial offering as it played a major role in opening an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC
State: PA

Complaint narrative:
On multiple occasions a company called with the # XXXX. Called my phone, my husband, my dad, my sister and my brother in-law. They give all of my information to every person stating i owe a certain amount of money to XXXX XXXX which i don't even have on my credit report anymore. They then yell at you saying they will take legal actions and arrest and put you in jail for this situation. I then call back asking them to stop calling me and to leave my family alone and they just hang up on you. The last time i spoke with them and asked them to stop calling me was yesterday XX/XX/19.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I submitted a large payment ( $ XXXX ) through the Fedloan Servicing online portal. 

I intentionally targeted the payment to my unsubsidized federal loans with the highest interest rates.

Fedloan Servicing proceeded to re-apply my payment to the lowest interest subsidized loans first and leaving an outstanding balance on my highest interest unsubsidized loans.

I believe there are malicious and potentially fraudulent processes in the Fedloan Servicing collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I was billed an additional two returned check payments plus the one added to fees and the billing department of XXXX could not explain the purpose for the current billing cycle which is due XX/XX/2019. I was overcharged approximately {$56.00} in total which has been charged to the account I have with them. XXXX has not agreed to credit my account for this overcharge even though all payments were timely and were approved my financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.

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 2019-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I signed a lease for my a car with BMW of XXXX on XX/XX/2018 and was also sold a Lease Protection program that was built into my monthly payment. I was informed by the finance representative at BMW that I could cancel the lease protection and it I would receive a refund. This was also detailed in the contract that I signed. 

In XX/XX/2018 I requested to cancel my lease protection with the finance manager, XXXX XXXX, at BMW of XXXX and in XX/XX/XXXX I  was provided a form to sign. I returned the signed form via email to the finance manager on XX/XX/XXXX and sent a follow up email requesting confirmation that it was processed on XX/XX/XXXX. I received a response that it would take 6-8 weeks to process and that the finance manager would follow up with the cancellation team to confirm that my request was received. I did not receive confirmation. 

On XX/XX/XXXX I sent another email asking for confirmation of the status of my request, I did not receive a response. I sent another email on XX/XX/XXXX asking for confirmation of the status and received a response that the finance manager sent a note to the cancellation team to check on the status and he would respond to me with an update after receiving their reply. I did not receive a response. 

As of today ( 11 weeks since submission of the request ) I have not received confirmation that my request for cancellation of the lease protection has been processed or completed. I have not received a refund of the lease protection cost as outlined in the contract. I have followed up with several calls to the dealership but the finance manager has not answered the phone or returned my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax apparently has my date of birth wrong. I tried to correct it over the phone after establishing my identity by answering multiple security questions. They refused and told me I had to write a request and send photos of identification. I then tried to use their online form complete with uploading the necessary images. They wouldnt accept the submittal. I then tried to simply order a copy of my credit report online as directed by Annual Credit Report .com and was told I could not - that I had to submit it in writing with certain documentation. This is crazy! No other creditor or credit reporting agency has this error. It is clearly a data entry error of Equifax and they wont even let me see my report without jumping through a bunch of hoops. If they would spend 5 minutes looking at the personal information submitted by my creditors or the other credit reporting agencies they could verify this is error is theirs and correct it. Apparently Ive made somebody at Equifax mad and now they intend to make me pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
After 2 attempts to have my report fixed they left the account as is. XXXX fraudulently opened a second account in my name reporting a balance during bankruptcy proceedings. There has been no communication to validate the debt and the reporting agency just left it as valid even though you can clearly see that the bankruptcy was active making any debt collection illegal they continue to validate the debt owed and the reporting of late payments on an account I have no knowledge of. They also state they " investigated '' however, there is no documentation so they are just automatically siding with a creditor without certified mail proof, signatures, or communication with my attorney that this was a valid debt.

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was issued an unsecured credit card by CITIBANK SOUTH DAKOTA NA in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, a Judgment was filled  against me without any notification or consent and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage. 
I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to the Attorneys representing CITIBANK who filled the Judgment to have them REMOVE the LIEN on the property but they refused and insisted that it will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. 
I explained my current financial situation to them but to no avail : My XXXX year old daughter passed away on XX/XX/XXXX at the XXXX XXXX 's Hospital after XXXX on XX/XX/XXXX in XXXX Washington in a swimming pool, my Mother passed away on XX/XX/XXXX and I am currently unemployed. 
CITIBANK SOUTH DAKOTA NA and their Attornys want me to pay {$7000.00} as settlement before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.

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 2019-05-23 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: PA

Complaint narrative:
This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a XXXX set for gifting on XX/XX/XXXX from XXXX. 

I found an advertised sale at XXXX XXXX XXXX on XX/XX/XXXX and submitted it for match. 

CASE : XXXX It has been rejected. " After contacting the seller regarding your recent claim we have verified the item claimed was ; never available for purchase at the price indicated on the ad submitted, was of limited quantity, and/or it required a promo code not available to the general public. '' I called on XX/XX/XXXX XXXX EST and spoke with XXXX at the front line and XXXX the supervisor - who were both very polite - to ask why. I was told it's out of stock so it's " not for sale '' repeatedly and doesn't qualify for price protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I can not find contact information on Navient 's website. One page leads to another, leads to another and no fax or email information. 

I can XXXX a phone number but why can't things be done online nowadays!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with Barclays Bank. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting Barclays and was told I need to contact the credit reporting agencies. I tried to explain to XXXX and was told I need to contact Barclays. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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 2019-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998. 
. 
XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due. 


Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my transunion credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to transunion and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to XXXX  and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
My husband received a call informing him that he could buy a home with no money down if he signed up for XXXX XXXX credit repair. We were told that if we paid a fee and worked with XXXX XXXX   we would receive a number to view listing s for rent to own homes Once we signed up we never received any additional information.We were ran around from one call to another transferred over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2019, opened in XXXX XXXX, VA branch a personal and business checking account. At the time of account opening, I provided the banker with a promotional code for personal account that give {$250.00} for new account and {$200.00} for new business checking account. At this time, I also received an email asking me to create a log in for the ability to check the status of meeting the requirements for the bonuses. Shortly after, in early XXXX, I checked the status of both bonuses and noticed that despite meeting the requirements none of the check marks indicating same were noted. I then sent a secure banking message to SunTrust to inquire about my enrollment and received varied responses, that to some end stated that the accounts were never enrolled in the promotions, despite having provided the promotional codes at account opening. The two codes provided are XXXX ( business promotion code for {$200.00} ) and XXXX ( personal account promotion code for {$250.00} ).

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