vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received this email [ redacted for confidentiality ] : '' Dear XXXX x XXXX, Thank you for submitting your payment on XXXX/XXXX/XXXX. 

This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : [ xyxyxyxyxyx XXXX XXXX : {$1500.00} XXXX for : XXXX/XXXX/XXXX To view your payment status, log in to your account at Navient.com. 

We appreciate the opportunity to help you navigate the path to financial success. 

Sincerely, Navient Customer Service '' No payment was drawn from my bank account and the website offers no record of the payment being processed. I do not know why I received a confirmation email with no follow up when the company did not succesfully draw a payment. Navient should not confirm payments unless it actually completes the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: MD

Complaint narrative:
Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: First National Collection Bureau, Inc.
State: NJ

Complaint narrative:
I received a letter today XXXX/XXXX/XXXX stating that a judgement was entered against me for an outstanding debt of {$1200.00}. I called the XXXX XXXX XXXX. I spoke to a XXXX, that asked if I would like to make a payment. I said no! I asked about the validity of this debt and about its age, since I have no recall of it. She could not answer me and said someone would call me back. I have checked all my credit bureau 's, I DO NOT have any open collections or judgement against me. I now have a XXXX off wife that thinks this is going to affect our credit rating! I want a letter stating that this is not my debt and an apology from this so called collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had a couple of inquiries on the same day in XXXX. They were for XXXX XXXX, XXXX. The company for XXXX is call XXXXXXXX XXXX XXXXXXXX. I have never spoken to anyone at XXXX 's that would require a credit check. I have never shopped at XXXX XXXX period. 

The other is for XXXX. It says XXXX XXXX but cuts off. Not sure if it 's XXXX XXXX? Either way, I did not agree to anything requiring a credit check here either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates accout number # XXXX was paid through a negotiated settlement in full on X/XX/2013 ... .. It was turned over to them from XXXX ( Banking ) ... .. Requested account be updated and close ... .. Other credit bureau agencies have accurate information of closed settled status ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed my account due to a negative {$47.00} they claimed due to insufficient fees from XXXX credit card auto pay that I cancelled auto pmt over 4 months ago, the first XXXX od fee I went on ahead and paid and made deposit in act. Second time I contacted XXXX that I DID NOT authorize prior to it coming and they said they would research the PENDING TRANSACTION, a week later I received a notice in mail that I called after the transaction cleared. UNTRUE! WHats the purpose of a week research if the transaction already cleared? They are liars. I called about this 4 times as they refused to acknowledge and ignored. This bank will lie and fraud my act due to their incompetence so they can make extra XXXX fees. I informed them ahead of time and they still charged me two XXXX fees, keep in mnd this is the " ONLY '' transaction coming thru this checking in THREE MONTHS as I planned to close and informed them of this! They closed the account per notice and placed me on a bad check list. NOT FAIR, they have no right. Just like they opened 2 additional acts without my authority as I am a party of that law suit and NOW THIS. Not to mention how they illegally tried to make my mtg pmt behind about 8 years unitl I called HUD as they researched and they had to correct my account. I am sick and tired of the unfair treatment and bogus statements!. I have a mortgage and they closed my user id and password so I dont even have access to review my mortgage. ALways iussues with these people causing fraud transactions.

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 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via  telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a Citi credit card in XX/XX/XXXX. Citi charged me an annual fee in XX/XX/XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XX/XX/XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XX/XX/XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the 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 non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I have been having ongoing problems with New Penn Financial based out of XXXX, Pa. They have consistently not applied my additional principal payments to my principal mortgage. Now, because I have previously complained about this, on my last statement, they said I have a NSF fee of XXXX. I had over 7000.00 in my account on XXXX XXXX, 2017 when they withdrew my monthly payment of XXXX. I feel they are being vindictive towards me because of my previous complaints with CFPB, the BBB and Wisc. state bank examiner. I have left messages with their billing dept., their compliance officer, XXXX XXXX, my original loan officer, XXXX XXXX, and their Hqs. in XXXX. None of the aforementioned people have had the courtesy of returning my calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Credit card company XXXX XXXX XXXX XXXX held my check for payment of {$20.00} balance on XX/XX/XXXX. I mailed check to XXXX XXXX XXXX XXXX and they held check past the due date of XX/XX/XXXX Friday until XX/XX/XXXX, to clear my account they charged {$20.00} late fee plus {$0.00} interest fee. When I called to explain it was sent on time and I was a 21 year member of XXXX XXXX XXXX XXXX and had same difficulty in the past and stopped using the card because they hold checks and drive up late fees there was not one manager or otherwise willing to help me to resolving this. I spoke with 2 managers including XXXX Team # XXXX at XXXX on XX/XX/XXXX. The {$20.00} they charged me exceed the original charged amount/balance on the account. This is excessive and two managers would not reduce this late fee. It is as if they are loan sharks charging 100 % interest on my charges. This can not be legal or right. I had to pay this over the phone today to avoid further late fees of {$20.00} on my {$20.00} current late fee on my original charge of {$20.00}. Thank you in advance for your time.

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 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sherloq Group, Inc
State: NC

Complaint narrative:
since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number 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 explanation
Consumer complaint received 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.

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 2017-10-03 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: CT

Complaint narrative:
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One reports to the three credit bureaus that I owe money.  I did not open these cards nor do I owe any of these companies any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).  If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).

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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A while ago I applied to the XXXX Credit card which has a annual fee of XXXX dollars (1st year waved). I was not using my credit card as much as I originally thought when I first got it, so I decided to downgraded it.I called in before the annual fee was charged and was told by the costumer service representative that I needed to wait a full year and to get the annual fee posted so that they can downgrade my credit card to one with no fee, and not to worry about the annual fee since they could reimburse it or waived when I downgraded the card.So I follow his instructions and called in on XX/XX/XXXX (2 days after the annual fee posted) to downgrade my account. I asked once more if the annual fee was going to be reimbursed or waived and they told me the fee will disappear in a couple of weeks.Today is XX/XX/XXXX and the fee hasn't disappear. I called in and I was told they could do nothing about it and that I was my fault and I should be held responsible for that. So basically I paid XXXX  dollars for an annual fee of a card that I was able to use for less than 2 days.I feel like I was deceived twice by their costumer service representatives by misrepresenting information and now I have to pay for that. They costumer service representatives are really poorly trained, they misquoted their terms and conditions in every single interaction I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: AES/PHEAA
State: SC

Complaint narrative:
I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
XXXX reports to the XXXX credit bureaus that I owe money. I did not open a Discover card nor do I owe any of these companies any money.

Company response to consumer: Closed with explanation