vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I originated a loan with XXXX XXXX XXXX, that loan was sold to XXXX XXXX XXXX and then recently sold again to Navient. 

Navient has the following policy regarding their auto-debits for repayment : " Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. '' Ie. if I want to monthly transfer more than the minimum of {$180.00} on a {$27000.00} loan, I have to go onto their website for every transfer. There is not an option to increase the amount being transferred. 

Not only is this very inconvenient, they are hoping to drastically increase the amount of interest I will be charged over the life of the loan by introducing this friction to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
In XXXX of 2018 I called my bank requesting a cancellation of my debit card due to unauthorized charges by a merchant i cancelled services with. The bank, in their response, asked me to go into my nearest branch and cancel the card and request a new card ( which would take about 7 days ). I went into my local branch to make the change and was told the card was cancelled and that a new card would be sent. In XXXX I was again received unauthorized charges to my card by the same merchant ; I then contacted my bank and alerted them to the problem and they claimed the teller never cancelled the old card and that it was still opened, even at that moment. The bank then told me that they were cancelling the card and that they would open an investigation on the merchant. I explained that at this point the issue was not with the merchant, but with them for not executing the cancellation, and that i wanted my money back. They complied and reversed the charges, then sent a letter confirming their actions. I just went into my account and saw, that again, they reversed the money originally taken out of my account, siding with the merchant, even though it was their error of not cancelling the card. I requested to speak to a manager or someone with higher authority to deal with this issue, yet they are sending me in circles without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.

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 2018-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/2018 I traded in my XXXX XXXX  for a XXXX. I requested from XXXX that my Preferred XXXX XXXX Plus Insurance be cancelled. I am entitled to a refund. It took XXXX til XX/XX/2018 to cancel my insurance and I have yet to receive the refund of {$310.00} from XXXX of XXXX. I have emailed at least 10 times informing them that I need a status update on the refund and also that I have a new address. No one gets back to me. 

My contract Number with XXXX XXXX XXXX is XXXX Refund amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
I bank at First financial Bank. I had send an on-line payment to XXXX  and the bank sent my payment of XXXX dollars In XX/XX/XXXX. They sent to payment to XXXX XXXX.Now First Financial Bank let me cancel account that were not being use and I did. XXXX XXXX and XXXX XXXX. Every thing was going ok and i had no problems. Until they send the payment to XXXX XXXX. I filed paper work to the bank to get my money back, and they said call XXXX XXXX. I call XXXX XXXX whom i haven't had service since XX/XX/XXXX to ask them to sent my money back. They said I had to give them a password from XX/XX/XXXX or they can not help. So off the top my head out, I said XXXX and now they could help. I had to send i lease that i don't live at the address this account was to the fraud dept. I hav n't seen them a payment for services for five years so why now. so i send it and got a respond to have a third party call to work on it in XX/XX/XXXX. 
In XX/XX/XXXX I had resolved the disputed of {$110.00} because they another account that owned {$110.00}. 
XXXX XXXX say they I own them XXXX. XXXX and they would not sent the money back. I pay all my bills to them, I never got a XXXX Bill from them sense XX/XX/XXXX, and I told i wanted my money back, and they said no. The bank wrote back saying nothing was a crime or fraud. 

The third part call was Monday XX/XX/XXXX. The First financial bank agent was from or the letter came from the XXXX XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX. XXXX Ohio XXXX. The dispute number they have is XXXX. 

the lease paper I sent were Date XX/XX/XXXX. The account at XXXX XXXX was XXXX. The fraud Dept at XXXX XXXX fax number is XXXX. 

This was more than Fraud, it illegal and a crime. 

On XX/XX/XXXX First Financial Bank Credit a XXXX SSI check because I was given a provisional credit of XXXX. They took XXXX they was left of the XXXX add {$37.00} for the {$80.00} they was spent and add {$30.00} more and {$6.00}. 

Isn't these charge fraud? 

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX or 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 2018-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line. 
I need assistance with this company since they are unfair with their credit practices. 

The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID. 

THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!

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 2018-12-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
a person called me from XXXX said they want to lower my interest rates on all of my card i asked what company they represented they named many companies including XXXX, XXXX XXXX XXXX , visa, master card, XXXX XXXX and others. I was getting suspicious asked if they represented all of the companies they said that my name came from the experian credit reporting agency.

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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax, XXXX  AND XXXX is holding inaccurate information on my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: MB FINANCIAL, INC.
State: NY

Complaint narrative:
I have a joint account with my partner who filed chapter XXXX bankruptcy. I did not. I have been paying faithfully on the account since it was opened. I never missed a payment and have never had a late payment. MB Financial is reporting on my credit reports that the account is closed/charged off and my credit score dropped over 100 points. They started the negative reporting XX/XX/2018 and shut my online pay account off. I called them XX/XX/2018 and spoke with XXXX XXXX who said she will remove the account and stop reporting to the credit bureaus. I said I was fine with that. She also said to email her to have the online account turned back on. Weeks passed and nothing changed. I emailed several times with no response until I contacted MB Financials help desk to check on the status.Then the XXXX XXXX emailed as follows : I am in receipt of an email from MBs Helpdesk. 

Per my conversation with you on XX/XX/18, you had called in regarding a credit bureau dispute and to inquire on why your online access has been shut down. The email below is the only one I have received from you. Please note that the credit bureau dispute/request has been submitted, and if honored- you should see the changes in your report once that has been approved and updated. 

Unfortunately, we can not reactivate the online account until we stop reporting the bankruptcy. Once I receive the confirmation of same, I can submit a request for online access. In the interim, if you wish to make automatic payments, I have attached a copy of the ACH form that you can return with a copy of the voided check and we can have the ACH turned back on. 

Thank you, During our conversation she mentioned nothing about submitting a request ( to whom I don't know ). I have repeatedly emailed with no response, and I have called twice on XX/XX/XXXX and was sent to her voice mail ... no call back. 

This is not my issue/bankruptcy and should not be reported on my credit reports. My partner and I have several joint accounts and MB Financial is the only one reporting on " MY '' reports. This is unfair to say the least. It makes no sense to be paying on an account that is reporting closed/charge off and will be on my credit report for 10 years!!! This is creating a financial hardship from the low credit score. I worked hard to build and keep a good score. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.

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 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
Today XXXX2018 I called Finkelstein, Kern, Steinberg and Cunningham to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: MS

Complaint narrative:
I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-31 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: FL

Complaint narrative:
On XX/XX/18 i called transunion on 2 separate occasion about a issue with my credit report regarding an " airline credit card hard inquiry '' which i explained the phone number does not work and the address is a p.o. box. The first time they gave me a phone number to call the merchant and ask for a letter of deletion. when i called the number they say they do not know anything about it and that they are not related to that company. When I called transunion back to open a dispute so transunion does there job and investigate this fraud they said told me the same thing and said it happens to all XXXX XXXX people and to call the same merchants back and call XXXX XXXX  as well, which has no customer service number at all, to have them fix this. This is beyond ridiculous and beyond just passing the problem along. Transunion did nothing when i called to open a dispute into my credit report when it is their responsibility not mines to investigate anything that i request especially if I told you the company does not exist and the company they refereed to me basically disavowed any knowledge of this company. I

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 2018-12-31 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX is holding inaccurate information on my credit 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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
There are three hard inquiries on my credit report which are over 12 months. One is for XXXX XXXX from XX/XX/2017, another from XXXX XXXX on XX/XX/2017 and XXXX XXXX on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The Bank of America has decided to close my account without giving me an appropriate response. I spoke to the Bank 's account closing department and they pointed to a customer agreement and they said they took a business decision to close the account and they are not required to provide any reason to me. 

I am operating this account as a joint holder along with my husband since XX/XX/1999. I have been the bank 's customer for over 20 years. I work with a reputed organization and earn annually $ XXXX. I also have a brokerage account with the bank 's brokerage arm ( XXXX XXXX ) with net funds invested over $ 300K. 

There was not a single incident of violation reported on my account from my side in last 20 years. I am a law-abiding permanent resident of the USA. Such an abrupt closing of my account without citing any reason makes me feel the bank has discriminated against me. 

Please look in to this as soon as possible. 

Thanks, 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 explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
After going through numerous stages to obtain a Federal employment position, the final stage is a background check which includes pulling my credit report from the 3 agency 's. Two came across no problems but the 3rd from Equifax returned a fraud alert error. This alert was not placed by me, and i was never notified of this error. I have spent now 30 days attempting to remove this alert, calling every day, faxing requested documents numerous times. I get different explanations from them each time i call. Nobody at Equifax can tell me why the alert was placed in the first place, and now i.am being told they have no file for me at all. I am now in jeopardy of loosing this position i have worked so hard for, and nobody at Equifax will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
BCA FINANCIAL SERVICES INC IS HOLDING A COLLECTIONS ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THAT IS NOT MINE. 
ACCOUNT NUMBER ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am once again requesting to have fraudulent accounts removed from my report. I requested prior that these items that do not belong to me be removed from my credit report. I have attached FTC report XXXX as proof this is FRAUD. Please remove XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX/XXXX. I also want the following unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX removed. I am not working with any type of repair clinic. I am just asking again of fraudulent information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief