vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX17 an online payment was made paying off balance of {$1200.00}. I did not initiate or make this payment as I had made a payment 3 days prior. I called Citibank and reported this to be fraudulent. As my checking account is tied to the CitiBank card via their website to make paying my bill easy. The credit card account had a very small available credit left on it. Asked to speak to fraud as again I stated I had not initiated this payment and was concerned that my information had been compromised and another made payment using the bank account on CitiBank website thus freeing up credit line enabling fraudulent charges to be made. CitiBank informed me that fraud does not work that way and that there is nothing they can do as it was an online payment. My personal bank was informed, they immediately put a stop payment on this charge being presented and advised I call CitiBank back and inform them of the stop payment. 
CitiBank was notified via phone and I was informed that I would incur a return check fee, as again they did not feel this was fraud. 
I made a 3rd phone call to Citibank again asking for the fraud department, I was denied speaking to them as they deemed this payment was not fraudulent. A supervisor did speak with me, she closed my account and promised to refund the return check fee when it appeared on my account. She also stated this is not a fraudulent transaction and that she was doing this as a precaution. 
This was a potential disaster, I had to beg and insist that it be remedied. I felt it was naive to deem it nonfraudulent because it was a payment. Again my bank account information is on the Citibank website so that I can easily make payments. It seems to me if someone got my info, got online and initiated payment allowing credit limit to be restored, they could have gone out on a spending spree with newly freed up credit limit.

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 2017-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: CA

Complaint narrative:
Creditors ordered a judgement on me, and I have not even received from this creditor that they were put a lawsuit against me. I found out when I noticed I have no money in both my checking and savings. The monetary amounts in my checking and savings are from unemployment benefits, which is exempt. I have proof of the dates and amounts of how my benefits. I exhausted my benefits at the end of XXXX, so for XXXX weeks, I had no income coming in. As rough as this economy is, I barely found a job 5 days ago. After my XXXX day of employment ( which I have not been paid yet since I just started working there XXXX The creditors took all my checking and savings. I have no idea who they are and how much I owe, if I did I would have made an instalment plan with them. I want to file a complaint with them. They have taken out unemployment benefits from my checking and savings. They did not inform me of a lawsuit being made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: SC

Complaint narrative:
My potential employer requested a background check from HireRight. I received a notice from my employer that they would not hire me based on information they received from HireRight. Their report included a criminal conviction from 1988 that is an error. Also, the background check was only supposed to go back 10 years but clearly they went back 30 years to find a record that does n't even belong to me. My problem is that they 're reporting is haphazard at best. Surely, they must have access to a myriad of other data points that they could have used to discount this erroneous record. Lastly, they asked for documentation to clarify past employment. I sent them additional documentation which they did n't even bother following up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

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 2017-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
It has been an ongoing situation with US Bank. We just found out yesterday that the loss mitigation has been denied. We sent in a mortgage payment and they sent it back to us. They accepted the last months payment. We have sent in many documents that they have requested of our finances and they still say that there are documents missing. I firmly believe that the right hand does n't know what the left hand is doing and they are letting papers fall thru the cracks. I have sent them by registered mail and all I get for a signature is a squiggly line when it specifically says print and signature needed. 
US Bank has assigned us many relationship managers to deal with us and when they assign us another RM we have to explain all over again to that one. Then we get a call from US Bank that everything looks good and that they do n't need anything else. 
Please help! We are tired of all of their wishey washey dealings.

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 2017-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX 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 2017-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In late '16, I was admitted to hospital and knew I was not going to be working due to illness. I contacted Navient and explained situation. They were very informative about my options and told me I need to fill out a form to have a deferment while I was unemployed. I asked if this was granted, I would not be officially behind in my payments. 
They stated I would be current and no late payments would show on my credit. I also asked if this freezed the loan and payment schedule, she stated it would. 

In XXXX, I checked my account to see when my payments begin and to my shock, interest was accruing during the ENTIRE deferrement period. In fact, I also noticed it had accrued from the moment I graduated. Noting this, my parents figured out my loan would cost over $ 15k in interest alone due to them NOT freezing the loan as stated and the interest over the life of the loan. 

As a result, I am fortunate that my parents paid off the loan in full to stop the bleeding. I now pay them a fair monthly amount with a fair interest payment saving me over $ 13k in interest alone. I know not every student is this fortunate, but I would hope the company would let us know that the day we graduate, interest starts. I would also hope they do n't tell other students looking for work that you can freeze your loan when in fact, interest is still ticking. 

I hope they cried when they received the balance knowing they lost out on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My current balance is XXXX. The amount past due is XXXX. The overlimit amount is XXXX. I have contacted them numerous times about paying them back and how I would need a payment plan or a removal of the overlimit amount. I have not received any of the requests met. I can not pay back an amount they keep tacking on monies too. I called to get a temporary card to make payments to the account directly and they sent me a card that does not even work. It does n't let me add money to the card. Then i called to ask if there was a quicker way to make payment without going into the bank every two weeks. They said no. So how am I supposed to irk with them when they wo n't work with 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 non-monetary relief
Consumer complaint received 2017-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am writing in reference to a negative pay status which has been placed on my credit report, per USAA ( USAA, account #, XXXX XXXX XXXX XXXX XXXX, Tx XXXX, with a payoff balance of {$7800.00}. In XX/XX/XXXX, my husband Filed a Bankruptcy, Chapter XXXX. His BK, XXXX requires his to pay back 100 % of his debt. Within 1 month USAA has sent 2 different comments to the credit bureaus in reference to a negative pay status on my credit report. One was on XX/XX/XXXX, and the next comment was 16 days later, on XX/XX/XXXX. The comments are vindicated, the comments state the account is open, closed, charged off, sent to collection, profit loss, delinquent and write off. Which in fact the account has been included in the BK XXXX. I have read, the above charge off comments, are established after 6 months, not 1 months, as USAA has done. I filed a dispute with the three different Credit Bureaus, XXXX has completed their investigation and the Results summary states VERIFIED AS ACCURATE AND UPDATED. 

USAA is trying to receive payment twice while trashing my credit, providing they are receiving 100 % payment from my husband BKXXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX of North Georgia XXXX, accepted care of my son with payment being split 50-50 % by my ex-wife and me. My half was paid-in-full, but my ex-wife refused to finish her half of the payment. She sited that the XXXX initially over-exaggerated the supplemental care for my son to charge for services that were not rendered. Subsequently, she stopped payment, the doc released my son from care, and placed balance on my credit report as she was out-of-state and unreachable for collection of her debt. During my XX/XX/XXXX-XX/XX/XXXX bankruptcy, I placed the debt for the XXXX 's bill in with the rest of my creditors. It has now come to my attention that the XXXX has re-submitted the debt under his name of XXXX XXXX XXXX to circumvent the system and collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
-X/X/17. I scheduled an online wire transfer of {$13000.00} through my bank Chase, to my dad 's bank XXXX. 
-The transfer was denied and I was charged {$25.00} by Chase for the wire. An additional {$45.00} was taken by XXXX. 
-I called and emailed to complain about the charge and missing money. Chase refunded the {$25.00} wire fee but would not do anything about the missing {$45.00} taken by XXXX. 
-I asked Chase to investigate the matter with XXXX . Chase later contacted me saying that the matter would have to be resolved by myself and the XXXX. 

I am contacting CFPB to complain about Chase, as their representatives were uninterested in getting my money back. I am also complaining about XXXX XXXX XXXX as they collected a fee without my knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Forbearance in XX/XX/2009 with XXXX student loans lost my job and struggled to make payments. XXXX offered a forbearance of which I struggled to make payments. I made full payments on time for the 6 months of forbearance and was still charged additional interest. I was never given helpful information and asked several times for my massive mortagage payment of my student loans to be reduced. They said if I did n't make payment or went bankrupt they threaten to ask my parents for the payment. I feel this is unlawful for students to better themselves and I was taken advantage of. Do I have any options?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I did miss a payment in XX/XX/XXXX. Due to my finances I was unable to bring my account current until XX/XX/XXXX All other payments were made. I have payed receipts for all payments. All payments were made at Bank of America bank or pay by phone, a Bank of America XXXX number printed on thier monthly bill to pay. Last month I received a packet from the Bank of America stating forecloure is being started and XXXX the month of forecloure. I then called XXXX XXXX XXXX. XXXX XXXX XXXX was the XXXX assigned to help me. 
A letter was sent to the bank and the foreclosure was dropped. Now as per my records back payments were brought up to date. XXXX XXXX sent a letter requesting a report from the bank listing all payments made. No report has been made or sent to me or any contact from the bank by letter or phone. 
When the account was brought to date by my records the bank showed a balance of {$1600.00} still due. A report of Bank 's payments received would help to resolve this matter, which i previously requested. 
Please help me to resolve this matter. The Bank seems not to be interested in resoving the matter. 


Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX ( cell )

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 2017-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a Capital One 360 Money Market account on XX/XX/XXXX with the " XXXX '' promo code welcome bonus offer, which gave a {$200.00} bonus upon deposit of {$10000.00} into the savings account. 
There were a few problems with setting up my external bank account, which took a few days to resolve, and then I was able to transfer the money by XXXX XXXX, XXXX. 
They promised that the bonus money would arrive within 3-4 weeks, and that there was no minimum deposit length requirement. 
However, the bonus still has n't arrived in my bank account, even though I entered the promo code, was targeted, and should have received the bonus by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was charged twice, it is reflected on my bank statement, but the navient ledger only reflect one charge.

Company response to consumer: Closed with explanation