vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting an account in the amount of XXXX on my credit reports that has inaccurate information as far as amounts and dates that have been reaged. This account was opened by XXXX XXXX XXXX was opened XXXX XXXX of XX/XX/XXXX and charged off XX/XX/XXXX. I voluntarily surrendered the vehicle and dont understand all the charges they are attempting to collect along with the re-aging of debt showing a new/ opened account by XXXX XXXX XXXX , opened XX/XX/XXXX. This was charged off XX/XX/XXXX. not XX/XX/XXXXand they could not give me a detailed bill of charges either after I requested.This has really damaged my credit. These are unlawful charges they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: CO

Complaint narrative:
I was awarded XXXX XXXX with Department of Education over a year ago. All of my loans were moved over to XXXX  for that process, with the exception of a Sallie Mae personal loan. I contacted Navient who told me because it was a personal loan -- with a co-signer, it was not eligible for XXXX XXXX. I contacted Sallie Mae to see about getting this loan forgiven and they advised they have no control because they gave all federal loans to Navient, and would not have any record of it.

Then, I obtained a copy of my original promissory note with Sallie Mae ( from Navient ), which states I can pay {$50.00} a month if that is my only option and advised Navient in writing of this. However, Navient has continued to call me, charge me fees, and add negative additions to my credit reports.

If this loan has been sold to Navient as a federal loan, then shouldn't it be treated as a federal loan and discharged at the time of the Department of Education 's approval? Can you find out why this loan hasn't been discharged? If there is no other option, why can't I pay {$50.00}. per month as my original promissory note states without negative results from Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I got a card from Citibank called Double Cash Card which offered me a promotion of 0 % APR for balance transfer for the first 15 months. I got the card and used it to pay my balance with the IRS and Maryland taxes. Then, the Citibank said that those specific transactions were not considered balance transfer and they charged me interests from the very first month. I checked their information about this card and they don't specify that paying taxes balances are not considered balance transfers.

This is not the first time I pay my taxes with credit cards that offer 0 % APR on balance transfer. One of those cards I have used in the past to pay my taxes was also another card from the Citibank. All of those cards have always considered taxes payments as a balance transfer I don't understand why the Citibank didn't do it this time.

As I said, I also checked the information the Citibank provides about this " Double Cash Card '' and they don't specify that paying taxes balances are not considered balance transfer.

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 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
We fell behind and filed Chapter XXXX. We closed the Chapter XXXX  and a few months later offered a modification. Sadly during the second month of our modification my husband was hospitalized and had to have XXXX. My name is not on his bank account and when the payment was returned I could do nothing. I contacted Mr. Cooper and they where no help. Than they sent our account to an collection agency and I even contacted the collection agency, but no response. Than we again reached out to Mr. Coopet and they have just given us the run around. The stop taking payments, stop paying the insurance on home and the flood insurance. Than they put our home up for sale in the paper and on XXXX  without telling us. The sale date was XX/XX/XXXX but was canceled reason not known. We spoke with a Mr. XXXX  at Mr. Cooper on XX/XX/XXXX and he was going to email us some papers, but never did. Than today XX/XX/XXXX he contacts us saying their is nothing that can be done. All these days he knew this but failed to mention it until today XX/XX/XXXX. This company won't take payments, but still running up our escrow account by paying the flood insurance even after the bill was sent to us. I think this company needs looking I to. They went from Nationstar to Mr. Cooper, but same old business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: FL

Complaint narrative:
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my Equifax credit report. On XX/XX/18, I sent Equifax a certified letter which was received by Eqifax and signed for on XX/XX/18, asking Equifax to validate this reporting. On XX/XX/2018, Equifax replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor XXXX ''. I have a copy of my XXXX report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating Equifax verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: FL

Complaint narrative:
15 USC 1681c ( a ) ( 2 ) -Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( Does not meets requirement of the Fair Credit Reporting Act On Record Until XX/XX/2019 )

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Spoke to an escalations analyst on XX/XX/19 who stated that an executive administrator would give me a phone call on XX/XX/19 in regards to the numerous concerns that I have informed Capital One of. As of XX/XX/19, I have still not been given a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been attempting to get lower payment options since XX/XX/2018 when I received what my payments would be increasing to. All of last year I was working on catching my loan up and making them current. I had to make a minimum payment but overpaid a little every month. I ended the year in good standings. I owed {$5.00} but I paid $ 20-40 a month. I paid as much extra as I could. I was emailed in XXXX and told my payments increased to over {$90.00} a month. I'm a single mom and can't afford that. I have reached out to them online twice, even allowed them access to my tax information. I made some kind of payment but now I'm behind and it's only XXXX. I mailed in financial hardship information and still haven't heard. I feel like they aren't responding to me so I will fall into default again and will be forced into another year of interest. I feel my student loan has more than doubled since I even got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash. 
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it. 
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.

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 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Borrower is XXXX XXXX XXXX XXXX XXXX ( PRA ) is refusing to respond to us, will not answer the phone, will not return phone calls, and will not respond via email. 

We are trying to clear a lien that clouds title on a property that went through a Chapter XXXX BK. Since XX/XX/XXXX we have called multiple times a day, left voicemails, emailed several times, and even tried to get a supervisor in that department on the phone. PRA will not answer their phone, will not return phone calls, and will not respond via email. 

I need a response from them or this file will go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I fully paid the balance including the total interest fees of my Chase credit card in XX/XX/2018. There is XXXX balance. Now, JPMorgan Chase bank is charging me an extra interest fee ( hidden fee ) for XX/XX/2018 to XX/XX/2018. They did not warn me about the extra interest fee before paying off the balance and closing the account. I would like the U.S. Department of Treasury or another government agency ( that is in charge of monitoring U.S. banks nationwide ) to investigate JPMorgan Chase Bank 's practices and policy for their interest fees and other fees. Millions of Americans ( who are like me ) may have been charged with extra hidden interest rate fees. I hope you would investigate JPMorgan Chase bank in regards of their interest fees, especially hidden extra fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Also, Experian have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher Experian contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, XXXX, & Experian should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX FL XXXX, I went in to redeem a coupon for a prize I may have won. 

I received the flyer in the mail. 
I spoke to a salesman by the name of XXXX and he said I did not win the prize but asked if I was interested in a new car. 

I told him that I was not due to I have a XXXX XXXX XXXX.however I told him that my credit was probably not good enough for a newer purchase and that I did not think I could qualify for the car because of other debts. I told him I was paying on a XXXX XXXX. 

The salesman said that if I wanted to get rid of my current automobile a XXXX XXXX XXXX, I could do so by Voluntary repossession. I was talked into that. Not knowing what he meant till he explained in detail. I asked what he was talking about because I never heard of this. And he assured me that Yes, I could do that. 

He took me to the finance department and we sat down with a finance professional who showed me how I would be able to pay for and still maintain good credit. 

I selected a car a XXXX XXXX XXXX and began to sign the paperwork. The salesman told me that I could also get a {$100.00} referral bonus, so I suggested my brother. When I brought him in, the same salesman and the same finance person said he would need a cosigner, and asked if I could sign for him. ( my Brother ) I told the finance guy, that I did not think I could based on my outstanding debts, including the new car that they just sold me. They did tell me that it would be alright and that I could co sign with no negative effects. So my brother bought a XXXX XXXX XXXX. 
I never did get the {$100.00} referral bonus. So we both drove off of the lot with new vehicles and new debt. 

The next day, I called about the voluntary repossession to XXXX XXXX XXXX that I use for my banking, personal loans and the XXXX XXXX XXXX. When I talked to them about the voluntary repossession they stated that there were NO benefits to that. As a matter of fact, they stated that I would lose : My banking privileges They would close my account I would be classified as a bad risk I would owe the complete balance of the car I would owe the complete balance of two personal loans that I have And a negative review to my credit report. 

I was not only shocked, because of what the dealer told me but now I can not return the vehicle nor afford the payments of multiple vehicles. That was explained to me that would work in their fashion. 
but have since fallen into a deep XXXX as a XXXX  member of the military, I NEVER thought I would be impacted this way by purchasing a vehicle. 


Release me from the Lease of the XXXX XXXX XXXX. 
Refund my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By  stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation