vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Online purchase in XX/XX/2018 for Product : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) In the amount of Total : {$100.00} Have never received item ordered!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
XXXX XXXX claims to use XXXX XXXXXXXX as their debt collectors, but I have been repetitively harassed by 'XXXX XXXX ' at First Financial for months. She has now threatened to lower my credit score if I don't pay money I do not owe. I have the paper trail from  XXXX to prove it. My gap insurance was not handled correctly by XXXX XXXX. XXXX has provided updated EOB 's showing I only owe {$60.00} copay XX/XX/XXXX ( it is XX/XX/XXXX now ). The billing department at XXXX seems unaware of First Financial. I don't know how First Financial would know what XXXX originally said I owed without them interacting, but I know someone must be lying to me and I am being threatened financially due to this negligence. I am attaching the EOB from XXXX proving I just need to pay the copay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: PA

Complaint narrative:
For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The online VIEW CHECK does not work. It has been broken for over a year on the citibank.com site. I have reported this problem on several occasions and Citibank has done nothing to fix it. Cancelled paper checks are no longer provided to customers. The only way to see a cancelled check is online and printing it from online banking.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
MY STORY IS LONG STILL HAVING PROBLEM WITH OCWEN FROEM WHEN I REFINANCED IT BACK THREE YEARS BACK. I ' TRIED TO RESOLVED SOME PROBLEM WHERE THEY ADDED MONEY TOW IT. ALSO I DESCOVERYED THEY ADDED TO THE BACK OF MY LOAND. ALOS they ADDED T MY PAYMENT A EXTRA XXXX AND SOME DOLLARS I PAID THAT AND THEY STILL HAVE THAT ADDED TO IT. please HELP, E WITH THIS. I HAVE HAD PROBLEMS EVERY SINCE I HAVE HAD THIS LOAN. please HELP ME SUE THEM IN SOME FORM. at MY AGE I DO NOT NEED THESE PROBLEM. I've GONE TRROUGH FORECLOSER. please IF THEY CAN GETSOMETHING I HAVE ALL PAPER S SHOULDING HOW THEY HACE TREATED ME. THANKS ANY HELP WILL DO '

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is inaccurately reporting information on my credit report. I filed a Dispute with XXXX XXXX XXXX  and they sent me a letter acknowledging that they dont have any account information but Experian has failed to delete the account and they updated it to a charge off- which is heavily affecting my credit

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 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Began receiving calls from Radius Global Solution -XXXX XXXX since XX/XX/XXXX. She has been calling me very day since then ( today is XX/XX/XXXX ). I requested multiple time that they mail me proof that I owe this debt and never have they sent me anything. I asked Ms. XXXX that I do not want them to call me and all communication must be in writing and I am still receiving calls. I can never understand what hospital she claims I owe money for. If I truly owe money to a hospital, they need to mail me proof. I do not owe any hospitals. I know that I don't as my current credit is excellent according to XXXX XXXX as of XX/XX/XXXX ( currently showing to be in the upper 700 's ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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:
On XX/XX/XXXX, I filed an Identity Theft Report with the FTC. As recommended by them, I notified all 3 major CRAs by using the sample letter provided on the FTC 's website. The certified letter to Equifax was mailed out XX/XX/XXXX and was received by Equifax on XX/XX/XXXX. I attached the FTC-report, the letter to Equifax and the certified mail receipt/proof of delivery. 

On XX/XX/XXXX, Equifax responded in a letter ( Confirmation- # : XXXX, attached ), stating that " at this time, they will not block the information subject to the submitted identity theft and/or police report provided as part of the dispute ''. In addition, they stated that they would " contact each creditor directly to verify the accounts/s on my behalf. '' In my opinion, this was already a violation of section 605B of the FCRA since section 605B clearly advises the CRA what to do. Under 605B, a CRA can only deny a request to block information under specific circumstances and if they elect to do so, they have to inform the customer of said reason which Equifax failed to do in this letter. In addition, it does not make much sense to seek information from the original creditors to determine if ID theft occurred. Under 605B, it is the CRA 's job to NOTIFY the creditors of ID-theft, not to initiate a 30 day dispute and rely on information obtained by the creditors because in case of ID-theft, creditors often don't have this information. That's the idea behind 605B. 

On XX/XX/XXXX, Equifax sent another letter ( Confirmation- # : XXXX ), providing me with the results of their investigation. Only a few accounts were removed while others were " confirmed ''. Between now and then, even a " confirmed '' account was deleted by the creditor ( i.e. XXXX XXXX  ) which indicates to me that Equifax failed to investigate properly. 

As of today, the following fraudulent accounts are still not blocked on my Equifax-report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and ALL four ( 4 ) XXXX XXXX XXXX collection-accounts ( see attached list ). 

As I pointed out at the beginning, all 3 major CRAs ( so XXXX   and XXXX as well ) were provided with the same sample-letter and documentation. For your information, I attached a copy of their investigation results. As you can see, they have blocked ALL accounts in question from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On Thursday, XX/XX/2019, I applied with 2 banks ( XXXX and XXXX ) for a home equity loan. Both banks informed me that they were unable to access my credit report from Equifax. I was told that they both received an error that said something to the effect of : 'fraudulent application alert '. I was told to contact Equifax to fix this issue. From Thursday to today, I called Equifax about 6 times. Their customer service reps are repeatedly telling me that there is NO block, freeze or any type of hold on my report and there is NO reason why the banks are being blocked from accessing my report. The last supervisor I spoke with was XXXX, employee ID # XXXX, who also assured me that there are no holds on my report. We verified all identifying info on my report and it all matched what the banks have. The banks have attempted to run my report 3 more times and they're still being blocked from doing so. Being that both banks are having the same issue, it's rational to believe that this issue is an Equifax technical error that they have failed to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX thru XXXX of XXXX XXXX XXXX XXXX XXXX state that my account was place in collections. This loan was paid off after trading in the vehicle in XXXX. How can I be in collections if the loan was paid off 2 years earlier.

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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
This debt resulted from an insurance policy with XXXX XXXX. I had a policy which I had to cancel, however at the time of cancellation, little or no outstanding balances were owed to XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My private loans started with Sallie Mae and are now managed through Navient. At this present moment I am {$63000.00} in private student loan debt and my monthly payments are roughly {$480.00} per month. Ive spoke with several representatives whove misinformed me about co-signer release information. On XX/XX/2018 I spoke with XXXX, reference XXXX she informed me that after 12 on time monthly payments I would be eligible for the co-signer release program. This information was false, I spoke with representative XXXX, reference XXXX who informed me that borrowers who only pay interest on their private loans are not eligible for the co-signer release program. I have difficulty repaying my private loans due to issues with lowering my monthly payment. I am a single mother of XXXX children- the cost of living which includes rent, car note, daycare, not to mention groceries and clothing for my children make it very difficult and at times impossible to make on time payments of {$480.00} per month. It is unfair that Navient/Sallie Mae fail to educate college loan officers to counsel students appropriately when making the best financial decisions to pay for school, such proper counseling will also assist with lowering the students position of being in financial debt post graduation. I am constantly misinformed by Navient representatives. I am in dire need of assistance to lower my monthly private student loan payment so I can afford to care for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for a store credit card from XXXX on XX/XX/XXXX for {$2300.00}. In the initial statement, it indicated that I would have to pay {$94.00} a month to avoid interests. I setup autopay and opted for paperless statements. I thought I did not have to look at my account again. The promotion expired in XX/XX/XXXX and I was charged {$1000.00} on interest. I only checked my account online yesterday and found out about it. I was offering to payoff the balance in XX/XX/XXXXif they would reverse the interest but they rejected it. The statement of paying {$94.00} to avoid interest was misleading. There was a warning on the statement about the expiration date of the promotion but as I said, I opted for paperless statement confident that my autopay amount would be enough. Even then, offering to payoff the amount due before expiration should be acceptable for both parties.

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 2019-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
On XX/XX/19 I called 1st Franklin Financial to see about increasing my loan. I was told that there was a flag on my account placed by the manager which stated they would not lend to me because I lived in another state. I explained that is not true and I only work in another state but my legal residency is maintained in South Carolina. I also explained that I could prove this through my taxes or any other documents. XXXX told me that the manager was gone until Monday and that they were not going to bother him and that I could not speak to corporate. She told me she would give the Assistant Manager my number and have him call me back. The next day I got a call back from XXXX telling me the same thing and that I could try back on Monday with the manager. On XX/XX/19 I called back and asked to speak to the manager, to which they would not allow me. Shortly after asking why, the manager got on the phone and asked what I wanted. I explained I would like to increase my loan. He stated he would not take an application and that he would not lend to me because I live in another state. I explained that this was not true and that I could prove it with legal documents, car registration, ID, taxes, etc ... He told me that I was " Trying to commit fraud '' and that I was " trying to pull the wool over his eyes '' He also stated that If I asked him again, he would pull my credit without my permission and send me a denial letter. I told him good day and ended the call. After that, I called their corporate HQ and made a complaint. A few hours later the Regional Manager called and apologized to me for the way I was treated and threatened by XXXX the manager. He offered no solution what so ever. I have had 3 loans with this company and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Who It May Concern In XXXX, we went to a bank to get a mortgage. The bank indicated that Experian ( XXXX ) reported that over the past 7 years we were late 7 times 90 days, 1 time 60 days, and 5 times 120 days. WE HAVE NOT EVER BEEN LATE! Whats more, you are selling the loan effective XX/XX/XXXX. Ive sent Experian my payment history and they claim they have not heard from you yet, that was today. We are trying to close on the property XX/XX/XXXX and I am PLEADING with you to please ASAP contact them and set this straight. We have been good customers and I believe we deserve your prompt attention. The other agencies report current with no late payments. They also told me you have till the XXXX or it will stay on my credit reports. Please call me ASAP! Attached is the payment history XXXX sent to me. Attached are bank statements corresponding with those dates claimed late.

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 2019-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited {$36000.00} into a Certificate of Deposit with Wells Fargo. At the time I had a business that I operated. At some point my business sought and was approved for a credit line. The business agreed to pay the loan. I did not guarantee the loan personally. Due to the down turn in the housing business my XXXX and XXXX  business went out of business and that independent corporation was responsible for the debts that it had. That said, Wells Fargo essentially impounded the money in my CD to cover the outstanding debt that was owed by the corporation. However, the deposit agreement does not provide for this to occur. My attorney sent Wells Fargo request to produce a copy of the deposit agreement which they say authorized them to impound the monies in my CD, but they refused to do so. Instead, what they sent to him was a copy of the new deposit agreement that permits Wells Fargo to take money out of a private account to cover the debt of a related business. No such provision existed at the time that I deposited my {$36000.00} in the CD. I am looking for the immediate release of all of my money in the CD plus interest. I deposited to the money before 2012 and my most recent request that I made last year was met with some obviscation about the statute of limitations running.

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 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have been trying for three years to dispute a credit card on my credit report. I have filed with XXXX with no results. It is Barclays Bank Delaware for {$460.00}. This is not my account. I am a victim of identity fraud. I have never had a visa or mastercard issued by this company.

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 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I requested a substantiation of account of account which they are required to provide within 30 days but they failed to meet the request. 

This summons was never served therefore, the judgement is defective. 

They are also trying to collect wages from a firm that I am not employed with rather a independent contractor and recieve no wages. 
When I called the XXXX to explain, he tried to bully me in and pay anyway eventhough the wage garnishment has no jurisdiction if I am not an employee.

Company response to consumer: Closed with explanation