vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a XXXX XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the XXXX XXXX was discharged but that had nothing to do with me or my XXXX XXXX per my attorney and the bankruptcy trustee since the XXXX XXXX was separated between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XX/XX/XXXX until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My XXXX XXXX filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A check number XXXX dated XX/XX/XXXX was written in the amount of {$5.00} against the undersigned 's Citibank checking account. On the front of that check underneath the date, was the pre-printed words " Void after 90-days ''. The check was presented to Citibank for payment in the amount of {$5000.00} on XX/XX/XXXX. 

Despite the fact that the check was VOID at the time of presentment to Citibank for payment, and was also stale dated, Citibank nevertheless paid the check on XX/XX/XXXX, more than a year after the check was written and more than 90-days after the check 's validity date. In addition, Citibank paid the check against the undersigned 's account for {$5000.00} ; instead of {$5.00}. 

Citibank has since failed and refuses to take any corrective action on this matter after being notified multiple times of the Bank 's error.

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 2018-12-27 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: OH

Complaint narrative:
Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The issue here is with Chase financial. The loan was originally placed in bankruptcy chapter XXXX which was dismissed XX/XX/XXXX and then I was told that they remodified the account and to pay x amount. I paid the account for 11 months and called the company for a payoff amount. I was told by Chase that the payoff amount was {$2500.00} in XX/XX/XXXX and that the account was charged off and that they do not collect on the charge off amounts and that the vehicle wouldn't be repossessed. Now that i have moved on and want to get the title & lien released they are stating that it was never charged off and if it was then they re-instated it without my signature or acknowledgement and therefore they have that I am behind {$1100.00} behind and that it was a payoff amount of {$3800.00}. I spoke with a supervisor XXXX tonight who stated that they will repossess and etc if payments were not made. I have received the run around on this account since the dismissal of the chapter XXXX bankruptcy. One department doesn't know what another department is doing and that they will repossess the vehicle and/or i can make payments. Also they stated that although i had paid {$360.00} from XX/XX/XXXX to XX/XX/XXXX there were no payments accounted for and no record of them until suddenly on XX/XX/XXXX. Also they didn't report to the credit bureau to my benefit when I was making all these payments either in fact ; the credit bureau didn't show that the car even existed. I contacted them today XX/XX/XXXX to settle with them on the {$2500.00} for 40 % ( which i would have paid another {$1000.00} just to get my lien & title released ) and was told that I was never quoted this amount and etc. It is frustrating when the right hand doesn't know what the left hand is doing in a company and all this consumer wants is what is due her ( the lien release & title ). Thank you for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: U.S. BANCORP
State: OH

Complaint narrative:
I had service performed at XXXX XXXX  ; XXXX, OH from an original estimate on XX/XX/18 paying {$2500.00} in advance. This work was performed. When I picked the car up on XX/XX/18 I was given a bill for additional service dated XX/XX/18 for {$780.00} that I was unaware of and did not authorize ( no authorization signature ) for new tires and a inner tie rod end. I left not realizing they were a mismatched set and not the size specified for this vehicle. 
I went back to XXXX XXXX on XX/XX/18 with my brother to dispute this charge. I was told I would be given a 50 % credit for the tires because I had originally left with them on the vehicle. Since I felt this was unauthorized service to begin with I did not accept this offer. I told them I would take it to another shop to get a full set of the right tires. They said fine, bring the tires back and they will give me 50 % credit. I declined the offer again and said I would take it up with the credit card company. 
I went to a XXXX 's XXXX XXXX XXXX that same day. They told me that the installed tires were the wrong size and load range for this vehicle. XXXX was a mismatch brand. They replaced with the proper tires. 
I returned the mismatched set of tires with my brother to XXXX XXXX later that day. Their in house printer was not working so they could not give me a printed return but wrote one out on a sheet of paper. No refund was given at this time. 
I contacted my Credit Card Company, XXXX XXXX MasterCard on XX/XX/18 about this matter. After the tires were returned I contacted them again. They opened up a dispute ( Case # XXXX ) on XX/XX/18. I sent them all the pertinent paperwork. 
I am now being told by XXXX XXXX that MasterCard is not accepting the written return receipt because it does not meet their requirements. 
As of now I do not have the tires ( I do have the unauthorized work ), and XXXX XXXX is charging me this full amount ( {$780.00} ).

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
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on the XX/XX/XXXX I needed to make a payment or pay a late charge, Citimortgage allows individuals to make mortgage payments using a debit card. I have done this in the past without a problem, On this day my debit card was not accepted. I hung up the phone. I checked the app on my phone. i had the funds to pay the mortgage and could find no restrictions on my card. I called Citimortgage back and tried to make another payment. Again my card was not accepted. I asked to speak with a supervisor. The supervisor and the representive both told me I could use my checking account. I explained I did not use checks because I used my debit card and could not remember my account number. The supervisor asked me if I would hold while she contacted my credit union.The supervisor, the credit union,  and I were on the phone together. There was no problem according to XXXX XXXX XXXX. From what I could understand, The problem seemed to be with Citimortgage. I told Citimortgqage I could send a money order, but I felt that I should not have to pay a late fee because I had made an effort to pay the mortgage on time. the suprvisor stated I would not have to pay the late payment as long as the credit union would send a fax to them about the debit card. The credit union stated they would send the fax. I went to the post office and boufgt a money order for {$600.00} and mailed it to the mortgage company. Since then I have received a phone and a email stating I owed a payment for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a car on XX/XX/XXXX, and on XX/XX/XXXX I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I XXXX took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Wells Fargo got the check in XX/XX/XXXX and I reviewed my credit report in XXXX and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. I spoke to a lady name XXXX in the Offices of the President in the Corporate of Wells Fargo, she would not give me her last name. Her extension # is XXXX, phone number is XXXX. 
She is the one that said she recommended that my remaining balance ( {$570.00} ) be forgiven because of the financial harm they have caused me. Account # XXXX. But after months of waiting on that, she said the company is not going to help me. On XX/XX/XXXX, I spoke to XXXX XXXX, extension XXXX. He said the best he would do for me is, if I pay the remaining balance of {$500.00} and they will take the charge off - off my credit report. I told him that was not good enough, because he said the 30 day lates would stay on my credit report. I told him that was not accurate. This company has caused me financial harm to my credit and defamation to my name. They have been reporting this false information on my credit reports going on a year now and I have suffered in higher interest rates on loans I have now

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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had. 
ps : the last four of my social sec # XXXX computer keeps changing it

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/2018 American Express claims they sent me a letter indicating they would increase my APR from 10 % to 17 %. 

I have am in good standing, as I have always been with all my creditors. 

I never received the letter, which the manager I spoke with shortly there after confirmed she did not see such correspondence within my account. 

In the following weeks, they provided me with a copy of a letter, which I suspect they doctored, to resemble what they should have sent out. 

Irrespective to the above, I signed up for Paperless delivery of billing statements and account communications, and this so called " letter '' was never within any paperless delivery. 

This is further confirmation the letter was not sent, and fabricated after the fact. 

Finally, because I was enrolled in paperless delivery of billing statement and account communications at the time, I should have received a copy of this via such, in addition to in the mail ( as required by law ). 

American Express has stolen money from me, by dramatically increasing my APR, and not properly notifying me of such increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: DISCOVER BANK
State: OH

Complaint narrative:
What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report. 

Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX  was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX. 

Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not. 

Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I made my credit card payment on time to Bank of America electronically using the Bill Pay service at my personal bank in XX/XX/2018. My personal bank had an error in their system and did not send the payment even though I had made the payment. Bank of America reported this payment as late to the credit reporting agencies. My personal bank has call Bank of America several times and explained that I had made the payment, but Bank of America continues to report the payment as 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 monetary relief
Consumer complaint received 2018-12-28 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: OR

Complaint narrative:
XX/XX/2016 I started going back to school to earn a XXXX 's Degree in XXXX. At this time Navient put my loans on Deferment without informing me of this. After two months I noticed no payments were being made to my student loans and a small amount of interest was added to the account. I never would have know the loans were put on deferment if Navient wouldn't have called me asking if I wanted to open a loan as they saw I am back in school. I responded that I did not need any additional loans and that I did NOT want them to put me on deferment again. Since then I have had no issues with the loan provider but they are making changes to my account without informing me the lender, increasing my total amount owed! I truly feel that there may be  other information they are not telling me and they are charging me more then what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank overdrawn accounts without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: OK

Complaint narrative:
For 4 of the last 6 years with Navient my loans have been on deferments and forbidance. Not once was I offered an income based repayment plan instead. I have lost years of eligible payment time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A new hard inquiry was made on my Transunion account for a XXXX card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.

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