vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Hi, I have direct loans. I am trying to get the Public Service Loan Forgiveness. I consolidated my staffords into a direct loan in XXXX in order to qualify. I have been on the ibr plan and most recently repaye plan the entire time. I've been making timely payments the entire time. So, next year should be around my 120 months ' of payments. I've only worked for 2 employers, all fulltime, during this time, a XXXX XXXX   's Office and the California XXXX XXXX XXXX. I submitted my form for the XXXX 's  office for XXXX and CA XXXX from XXXX. Both were certified as qualifying employers. Nonetheless, my statement shows only 30!!!!! qualifying payments. I have emailed and emailed. All they say is the standard : we will review your account for qualifying payments and update the number. They have never updated the number or provided any information about the payments that they have not counted as qualifying. I've asked for that review and that information so I can backtrack through my accounts to find proof of payments or whatever it is that I need to resolve this issue. Whenever I email about it, they just send the same response again, as if I have not been emailing for the last 2 years about the same thing. There is no accountability and no standards for XXXX 's servicing of these loans or how quickly and accurately they calculate qualifying payments. Finally, I do believe that the problem stems from the time that my loans were serviced by XXXX XXXX before they were transferred to XXXX XXXX and that perhaps those records from XXXX XXXX are not complete or have not been reviewed. 
Second thing, they have now twice put my loans in forbearance without my request. I called about that too, and they claim that it is for my benefit. I've explained that it is not, as interest continues to accrue and the payments that I make during that time do not count as qualifying payments. The first time they put my loans in forbearance, I did not make the payment since it would not count. Then, I complained about it and they reversed it after the payment was well past due. So, when I paid, it was after the 15 days. So, this last time ( XX/XX/XXXX ), they did it again. I paid anyway, but I'm sure that payment will not count as a qualifying payment either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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:
Wrongful repossession. I was never ever notified or contacted about repossession and I was never contacted when they sold my vehicle and honestly it hurts. The after effects on me and my family are horrible

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Bank Visa ( XXXX XXXX ) has a " price rewind '' feature that if I find a lower price within 60 days of the date of purchase, they will credit me the difference. In XXXX of 2018, Citi changed the rules so that items from an " internet auction site '' are no longer eligible.

Here is a link to what is and what isn't covered : https : //www.citipricerewind.comXXXX I recently filed two 'price rewinds ' for some electronic items. A computer monitor that was {$70.00} cheaper than what I originally paid for it and a computer video card that was {$100.00} cheaper. I later found these items on sale at the XXXX XXXX XXXX  : http : XXXX XXXX is a pretty well known for selling computer parts but I believe that they have also opened this 'store ' on XXXX to gain further market share and exposure because they now they sell much more than just computer parts. 

Now I can understand Citi not wanting to 'price match ' and XXXX auction, but an XXXX  XXXX is not an auction - it is a sales platform. Brand new items, with warranties, return policy, etc are sold at a fixed price. In the instance of the computer monitor I filed a Price Rewind about, XXXX sold over 250 of them ( at  {$800.00} each ) through their XXXX XXXX. I view an XXXX XXXX as the same thing as a small vendor selling something through another well-known sales platform - XXXX I don't think it is right that Citi automatically disallows any purchases from an " XXXX XXXX '' and automatically label it as an 'auction site '. I think they are abusing that policy to avoid paying out on claims

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 2019-02-12 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: CA

Complaint narrative:
this is in regards to an XXXX credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called XXXX again transferred multiple times again to be told they cant take my payment and to call XXXX XXXX XXXX. I calld XXXX XXXX XXXX  and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today XXXX is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.

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 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
re : Cash App - A Square Product. 
Refund amount {$480.00} from XXXX The only contact number XXXX only tells customers to use the Cash App to contact customer service. 

Refund is ''in review '' and support tickets are being auto-closed. 
The company which is issuing refund states refund was returned. 

Cash app is seizing assets and not returning the refund total. and does not follow the correct procedures for returning a refund. 
Getting this refunded ack ASP is very important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX {$590.00} was withdrawn from my checking account with out my permission. Wells Fargo never notified me of any transactions that may have stemmed from my foster child 's account being compromised in XX/XX/XXXX due to counterfeit checks being deposited and then withdrawn from his account without knowledge. First, I was told that opening a guardian account would pose no risk to my account and then they allowed counterfeit checks to be deposited and withdrawn before clearing to include allowing this to occur again and again even after the account was placed on hold following me alerting them to this.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC
State: CO

Complaint narrative:
I paid a collection for XXXX cents to a collection company and they are still billing me for XXXX. Double what they said i owed and paid in full. I refuse to pay another dime to them. Please help me to get them to stop attempting to contact me anymore to collect a debt that I've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have previously tried to write letters to have derogatory information removed from my credit report and this company has not removed it. The debt does not belong to me. It is impacting my credit score and prohibiting me from being approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Collections Inc
State: NY

Complaint narrative:
I hired an air duct company to clean out the ducts in my home for a price fixed. After the service man cleaned out the ducts in my home, he showed me all sorts of service plans to sign up for. I barely had the funds to cover the cost of the services performed of the one and only service call in 2017 that I had agreed to. Apparently the invoice I signed for the services performed is being stated by collection attorneys, as a contract that I signed for future services. I did not sign any such contract. I do not know if the service man had switched paperwork and had me sign a contract instead of the invoice for the service performed. But I did not agree or sign to agree for any future services. I have been contacted by an attoney from Asset Collections inc demanding that I pay. And he states what I signed was a contract for services and that I now owe {$2200.00}? I never agreed to such a contract. I never made any payments toward any such contract. I paid what I owed for the one time service call. The sneaky tactic of stating that I signed a contract when I believed it was the invoice for the service, is unfair sneaky practice. I was polite to the service guy and told him that I would consider the contract with his company in the future. But as he personally witnessed I did not even have enough credit on my card to pay the intitial service fee. I explained this to the attorney from the collection agency that keeps calling me and telling me that they are going to sue me for this. Please help me stop this unfair sneaky tactic of switching the invoice and turning it into a contract for future service. I did not want not could afford. I did not sign a contact. I signed a service invoice. That is what I was told. I told the service man that I could not commit to any contract or future service. And I said I would contact his company if indeed I did want a service contract. Which I did not. Now I am being bullied by this attorney from the collection company stating that I signed a contract? In the collection letter they are threatinf to contact and report this alleged debt to the IRS. And stating that a form XXXX will be filed and it will show that the {$2200.00} becomes income and a bad debt for XXXX XXXX XXXX XXXX XXXX XXXX. Is that even legal? I have explained the misunderstanding to the attorneys from collection agency numerous times, only to have them state you signed it and you owe it and we will sue you to get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check given to me because I won a judgement from XXXX XXXX, the check writer. I physically entered the branch, it is also the bank I bank in. I endorsed check 2, XXXX and asked it be cashed. The teller went into check writers account and okayed the check for the amount of XXXX. I then had the teller deposit XXXX and give me XXXX in cash. The bank, CHASE BANK, then kept the check for a week and after a week they sent it back for insufficient funds. Charged me XXXX and a XXXX per check that bounced, which they were two because they sent it back. I called the bank spoke to everybody up the ladder till I reached a manager, who informed me that they can do anything they want with my account for 6 months after check was cashed and the remaining cash then deposited. I went into the physical structure and they refunded my charges of XXXX. I went into the bank cashed the check, the funds were in there when I entered the branch, because she cashed it after checking his account, means that the funds were in there. They can't deny that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called XX/XX/XXXX to combine my secured line with my unsecured line. I was told intially that it needed to be reviewed after I was willing to close the account. To stop me from closing my account the young lady stated to call back between the following Tuesday-Friday. In hopes of a solution as promised I called today Tuesday XX/XX/XXXX. The account was not noted and I was not met with solution. I was told the option to combine my accounts were removed at this time and no one could further assist me. I was never notified that I even had the option to do so. My account was open XX/XX/XXXX, I never missed a payment. Where in the contract does it say they can make such changes without notifying me or extending me opportunity. I also requested a limit increase in the secured line and I was responded with they dont do increases for secured Lines but today Im being informed that every so often its reviewed and automatically increased. Yet that has not happened for two years. Customer service is horrible. They tried to make me feel like closing the account wasnt an option because it would hurt my age history as if I was incompetent. I asked to be directed to the proper department that handles such issues and they refused to assist. The accounts I was asking to be increased, combined and my deposit refunded end on # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18  months ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.

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 2019-02-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XXXX. My initial inquiry to Citibank was at XXXX, and my credit card had been open in XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XXXX - XXXX. There are other acct numbers which were from the same account and the last digits are as follows and were prior card numbers back to XXXX : x-XXXX ; xXXXX ; xXXXX ; x-XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive, and they and theirlegal representative have currently severly botched the inquiry, and/or lied. I had another complaint ( XXXX ) which the information provided from Citibank was totally wrong/or they just lied to stonewall the process. Therefore I am starting another complaint which will also show how Citibank and their legal outsourced team is stonewalling this process, and distorting the facts as we see. I will be faxing more information in to your fax number XXXX which I got from XXXX XXXX of your office. I want this to move further, and I want you to look at fining or what ever process you are to do to charge Citibank for their bad internal procedures as outlined in your reports attahced in the last.

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 2019-02-12 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: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

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