vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Fraudulent charges were found on my Kohl 's credit card in late XX/XX/XXXX. Kohl 's initiated an investigation into the fraudulent charges, and during period of the investigation late charges were accrued in XX/XX/XXXX-XX/XX/XXXX. Also during the period of the investigation, Kohls customer service rep advised me not to make payments of any sort. Kohl 's investigation ruled that these charges were indeed fraudulent ( see attached letters ). Kohl 's refunded the fraudulent charge and late charges and stated they would contact the credit bureaus to correct the late charges that significantly impacted my credit score. I expressed to Kohls customer service reps the urgency they have my credit score corrected since I am closing on the purchase of a house in early XX/XX/XXXX, and this impact to my credit score is preventing me from obtaining a low interest rate. After ~2 months of contacting multiple Kohl 's reps and supervisors, and them assuring me that this would be corrected with the credit bureaus, this has not been done as of today ( XX/XX/XXXX ).  I have contacted both XXXX and XXXX minutes prior to writing this complaint, and both credit bureaus confirmed that Kohls has NOT reported correcting the late fees. Kohl 's has failed to contact XXXX and XXXX to report they have corrected the charges so that my credit score can be corrected in this urgent time. Kohl 's has repeatedly demonstrated extremely poor customer service, and by not reporting to the credit bureau 's are refusing to take ownership of their fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, 2 unauthorized transfers out of one of my Bank of America accounts occurred : total of {$7900.00}. 
One to = XXXX Transfer Conf # XXXX {$1900.00} The second to = online bank transfer Conf # XXXX = {$6000.00} I immediately informed BOA that I was hacked ; changed all my passwords and put in additional fraud protection. My BOA case number is : XXXX. 
They said they would do an investigation, and give me temporary credit 2 weeks after, They have since DENIED my wire transfer fraud, accusing me of giving my password to someone. 
I HAVE never given my BOA password to anyone. I have been a BOA customer for over 40 years, and currently am a Platinum customer. At the time of the wire fraud, where clearly someone hacked my account, I had approximately {$300000.00} in BOA ; different accounts. MY BOA local manager, XXXX MA. has called BOA and vouched for me. 
I work at home, and never take my computer on the road. My home has never been robbed. I am XXXX year old XXXX XXXX. Married 40 years. 
A BOA analyst, whom made this decision, called me last Thursday XX/XX/XXXX and accused me of giving out my password. She was very accusatory, aggressive and I feel PREJUDICED against me. I asked to speak to her supervisor, she would not let me. I explained I had been hacked clearly - and asked her what did BOA find out about the 2 felonious transfers? Whom did they go to? She would not give me any information. 
I feel BOA, instead of looking for the criminals - is trying to steal my {$7900.00}. 
Please help me get my money back. 
Thank you

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
My husband and I were making automatic payments each month of the minimum amount towards our credit card with Bank of America. We made a purchase of {$3000.00} in early XX/XX/2017, which raised our minimum payment. We were not aware that our automated payments weren't adjusted to the new amount. For six months, our automated payments were made for the previous amount, therefore showing insufficient payments. In XX/XX/XXXX, I called to make a {$3000.00} payment toward the card, to learn that the account had been closed and that we had been making insufficient payments for months. Neither me nor my husband had received any emails concerning late or insufficient payments. We had not received any notification of any kind that our account was closing. The bank said they tried to call us twice, but the number they had on file did not match any number we've ever known and they said the number they called was disconnected. They could have sent us a letter or email but did neither. After I made the {$3000.00} payment, and learned the account had been closed, I requested the account be reopened. They sent us a letter denying our request and notifying us that my husband 's credit score had taken a severe hit. Clearly they were capable of sending us a letter, but didn't when it was to notify us our credit had been hit and our account was to be closed. We are extremely dissatisfied with the way everything happened and have since paid off almost the entirety of the balance, with the exception of {$180.00}. Now they are denying our request to reopen the account and my husband 's credit score has been lowered by about 200 points. We would have gladly made the sufficient payments each month had we known. We never received any emails, or letters from them letting us know our automated payments were insufficient. I hope that by filing this report, I solution will present itself to this gross misunderstanding and the consequences it has led to. Thank you.

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Bluebird by American Express denied a fraud claim for items totaling XXXX including charges from XXXX XXXX  on XX/XX/XXXX, amounts of XXXX and XXXX. As I stated to both XXXX reps and Bluebird fraud dept, I did not receive anything from this merchant and do not know the person using XXXX account, XXXX. XXXX has not provided any proof of receipt such as a tracking number and or description of item ( s ) supposedly sent. Two other charges from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX are also fraud, the merchant refunded a total of XXXX on XX/XX/XXXX, amounts of XXXX and XXXX. I do not know the reason for refund, the merchant refers me back to American Express to dispute the items. It appears the merchant chose to refund part of the transaction in the amount of XXXX on XXXX, did not state reason ( s ) why and refused to refund difference. Bluebird has not provided reasons for decline of claim or shown any proof the charges are authorized by myself, refuse to investigate further despite the information I've shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion claims that its policy is in accordance with the Fair Credit Reporting Act, however it has allowed XXXX XXXX to pull my credit history without showing or providing proof that it had done so in the very same accordance of the Fair Credit Reporting Act that they claim to be upholding. Again I had not requested or shown interest in any loan product that XXXX XXXX was offering. Should XXXX XXXX produce evidence to the contrary then I will accept the information as reported and provide a letter of sincere apology to all involved.

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 2018-04-25 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: NJ

Complaint narrative:
I am complaining because my loan payment has increased immensly. I am repaying my loan on a repayment plan and i am not informed that i am paying interest only. Navient is not applying my payments toward principal at all. I owe over 43,000.00 in principal and i am not making a dent. I have been paying this loan back consecutively for two years and nothing has been applied toward principal. I called but no call back. It doesnt make sense how my initial loan payment was half that amount and now ten years later after i graduated it is twice as much. I deferred for years due to financial hardship and didnt pay interest but i should still have money put toward principal. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXXand on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and 1XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
My Complaint is against Pressler and Pressler they have constantly sent me old court documents from when I went to court with them in 2013 and agreed to pay the debit off by a payment plan for which they never contacted me again until now and sent me a false subpoena asking for me to meet with them at a lawyers office to go over my assets it states if I do not appear it is an contempt of court and a warrant will be issued for my arrest. When I contacted the court to ask if this subpoena was issued by them they stated they have no record and subpoena do not come by regular mail you are physically handed it by a sheriff. Also when I first received the subpoena back in 2013 to appear in court I spoke to Pressler and Pressler and they made me to believe that the original creditor was suing me not a person that purchases debit that was charged off. I do not feel I owe XXXX anything as I never agreed to any obligation with them financially only tricked to agree to a payment plan that they never followed up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX 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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Portfolio Assets
State: TX

Complaint narrative:
On XX/XX/XXXX my brother contacted me and played a recorded message from a XXXX XXXX that XXXX XXXX was put down as a contact for my account and to have me contact them immediately. He also called my in laws home as well. When I called I was told I was being sued for a debt on a XXXX from XX/XX/XXXX. I said its not on my credit report. What type of card was this? All they would say is its a XXXX. I then said isnt this past the statute of limitations and at this point I was hung up on. I called back and was told clearly I do t want to pay this. I asked whats the company he works for. He said western assets. He hung up again. I Called back and he answered that he refuses to have type of dialogue with me. I have no idea what this is or what is happening other than they are calling family and telling me that Im being sued.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I purchased a " XXXX '' item from XXXX The item arrived after the date promised and the shipping cost more than the item itself, supposedly due to the " rush shipping '' ; the cost of shipping was actually due to the item being shipped from overseas ( misleading from the store 's claim to be located in " CA XXXX, United States of America '', as shown here : XXXX ) The item was extremely low in quality and flimsy ; I was immediately able to find a better replacement for half the price and I requested a refund from XXXX XXXX Per their return policy ( XXXX ) : " Products with quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. Products ( excluding Made-To-Order and disposable ) with no quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. For Made-To-Order clothing, if the items do not fit properly but were made accurately according to your order  specifications, you are eligible for a free, one-time-only re-sizing service. You are responsible for all shipping fees incurred. Any product that has been used does not qualify for a return or exchange. All returned items must be in brand-new condition, unused and with original tags and packaging. '' I emailed this company immediately upon receiving the item and also tried phoning their dead-end customer service line to no avail Upon being ignored, I opened a case with PayPal/PayPal Credit to rectify this bad purchase on XX/XX/XXXX ( all emails that I sent to the company were uploaded to my case for proof ) After reviewing this case for over a month, PayPal failed to reach out to me before denying the charge-back completely on XX/XX/XXXX ( I emailed them 11 times before the decision was made and every single one went unanswered ) I believe this item was sold to me in a dishonest manor, as I never would have purchased it knowing it could not be returned I never heard back from XXXX XXXX until the case was decided in their favor ( exceeding their supposed 14-day return policy ) and then was told it would be my responsibility to pay to return the item back overseas ( again, I never would have purchased the item in the first place, knowing there was a possibility I may need to return it, if it would have to shipped back internationally on my dime ) I am unsure why PayPal has been so unhelpful, but I have already called 3 times this week alone for assistance and after being refused service, transferred, hung up on, and steered in several directions as far as how to appeal this case, I have no where else to turn This case is also currently on file with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
To whom it may concern : I am writing to express a complaint of disgust regarding my Navient, formerly Sallie Mae, loan debt. I began my education with a school entitled, The XXXX XXXX, in XXXX, N.J. for the year XX/XX/XXXX, and left four years later from a, XXXX XXXX XXXX. Also, this program that the United States Government granted fiscal loan funding for me to attend was for XXXX XXXXXXXX. Only it would also be allowed to advance a real time XXXX program while accepting pay and attendance from XXXX XXXXXXXX. At the time many unethical offenses were experienced by me and other consumers of The XXXX XXXX. It was the title schools final years and during the business transaction with XXXX XXXX XXXX almost any and all oral contracts had been revised with students. Actions, such as : uncertified teachers conducting English class would pass without any hard evidence obtained from the student/consumer to provide in a court of law. Therefore, many took a leave of absence and most assuredly left crying over the debt more than the time lost. 
Im writing to share my shame for ever trusting a United States federal loan agreement. I still owe a lot of money plus federal loan interest on what I consider to be a con debt. My experience and overall poor timing in attending a proprietary school my Government felt compelled to make loan offers to for business was a bad egg decision. If I had understood what little success would really come from the financial investment I was being allowed to make, I never would have made it. I was only XXXX years old when I signed away my right to a responsible future with a family, for debt that would never amount to anything great. Its been a shameful display, but not mine alone to bear. Furthermore, I will continue to live and witness more unethical practices i.e. debt collection Sallie Mae. 
I wish someone within Government cared enough to seal up these sort of lose ends on Federal loans. I wish my Government wasnt seeking to profit rather than aid a citizen dream. I would hope that someone would investigate the validity of my claims and remove my debt. Navient can not or will not even negotiate a settlement after almost twenty five years of accruing. Honestly, there has to be a better way. 

Sincerely, Said Student/Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Troubles Ocwen Loan Servicing, the white collar crime operation, and its outside attorney XXXX XXXX are offering me hundreds of thousands of dollars in a increased balloon payment loan modification with thousands in increased bogus mortgage payments to embezzle my property to increase its revenue. I will provide the court with evidence of the pretender lender loan servicers years of embezzlement crimes and I will bring in my law enforcement witnesses and physicians who will testify under oath which will bring the white collar crime pretender lender loan servicer to justice. Discovery is happening very soon : ) I am still waiting for the questionable CFPB agency to take enforcement action against Ocwen Loan Servicing, the pretender lender loan servicer that has many years of white collar crimes swept under its smelly carpet. I reject the fraudulent loan modification attached.

Company response to consumer: Closed with explanation