vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX. 

Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold. 

To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know. 

THIS IS BAFFLING!! 

Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated. 

I will like to be a part of suing this company for their false practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
Years ago, 23 years ago to be exact, I had a XXXX card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called XXXX numerous times and they told me that they would take care of it. Recently, I received a letter from First National Collection Bureau , Inc stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in XX/XX/2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from First National ( validation information regarding the judgment ) which they never sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I spoke to XXXX today and she said that the chase can't refund money because the time has passed and I talked to manager XXXX she said will look in to account and get back to me and according to her, I had given every bit of detail with CHASE EXECUTIVE OFFICE, they gave it to the dispute manager and they just followed based on what they said. Apprently there was not time spent to LOOK IN THE DETAIL LATTER THAT I SUBMITTED. XXXX said she will look at it. I still want to fail a complaint cause of the unfairness of the treatment and no intergrity in reviewing the calls by the EXECUTIVE CHASE. 

CHASE Case Number XXXX And I have attached " XXXX.pdf '' with detailed story of my concern and dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I searched for tickets on XXXX for game 4 of the XXXX XXXX. I found a seller and reached out to him, I suggested a price for 2 of the 4 tickets he was selling. 

I suggested that we do payment via XXXX since h said he was out of town, he then said we could use his wife 's apple pay or XXXX. I told him I had neither. I then suggested that we do Chase XXXX but he said he doesn't have them as a bank, but that they had a XXXX integration. 

He tells me his name and email and j send XXXX to the email via XXXX/XXXX. He says twice he didnt receive it after I sent, then he finally did he got it. He then asked my email again to send the tickets electronically as he was putting them in my name. 10 minutes go by, I have not received anything, I reach out to him, and no response. 

I use another number to text him asking about tickets, the guy says he has 2 left as he was opening payment from another person. I then lament that there weren't enough for 4 people, he then says to wait. Then he texts back saying the the other buyer is procrastinating and he will sell 4 tickets. I then ask why is he parting ways with tickets, and he says he and the wife are out of town on emergency due to his dad having a XXXX. I offer to pray for them, and I ask the dad 's name, he says its XXXX XXXX as well. I then ask more questions about how would I know he was on the up and up and h sends pics of the 4 tickets with the barcode blacked out. I then inquire more, and he gets defensive that I showed a lack of trust. 

I then send 5 requests for refunds, all denied by him immediately after texting him from the original number and demanding my money back. I them report the ad to XXXX, the FTC, and I call my bank about the fraud. They have not done anything or followed up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
was hacked but amex they need to get this off my record asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
I keep getting calls from my mortgage holder Freedom Mortgage. They call my phone as well as my wifes phone several times a day. And sometimes Im Sunday. 

I want them to stop.

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 2018-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial
State: WA

Complaint narrative:
I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX  XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED. 

I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time. 

All I want to do is payoff the account.

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 2018-11-09 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: GA

Complaint narrative:
I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me. 

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested. 

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

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 2018-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a secured visa card from Bank of America. I have had it for nearly eight years. When I originally got the card I was told that after a year I could get my deposit back and turn the card into a non secured card. I was also told that my account would be reviewed every six months for a increase. It has never been increased expect for last year for a emergency. The increase was for one week. I have been told several times that I was due an increase but nothing ever happens. It also has not helped my credit score. It has been the same for the last seven years.

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 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON ME!!!

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 2018-11-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is now at the point where they are playing a game. I disputed items, and I submitted documentation. On one occurrence they ended the despite, without get a response from the companies involved. On a second occurrence they ended it, via their own means. I am now on the third round of disputes pertaining to student loans, multiple reporting of same debt, duplicate trade lines, and accounts that do not belong to me. Upon calling I was basically told by Mrs. XXXX if that is her real, true, and correct name that if I want to file a complaint, I can wait. They have now extended the time Period out for the disputes, to the end of the month XX/XX/XXXX when they should be completed by XX/XX/XXXX. Also they have been uploaded supporting documentation on 2 other items, and have blocked my ability to dispute online. They will not open the dispute over the phone, because I have dared to file a complaint with the CFPB. In the other cases that where filed with Experian, they gave a generic answer to close the complaint out. Please explain what a frivolous answer is going to do to help anyone? So any company can come on this site, give a bogus answer, and get released from responsibility? 

I hope this gets reviewed by a real person. I also hope the other complaints are reopen. They have no legal right to violate the FCRA. I should not be penalized, because I dared to file a complaint on them, when what they where doing was not only illegal, it was immoral. 

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 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
I am an identity theft victim, I had an account with XXXX XXXX XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinserting the account, but failed to do so. I demand the immediate removal of the account from my credit report. This is the second fraudulent account that has been reinserted and I will be seeking legal counsel if I do not get this resolved.

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 2018-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: TX

Complaint narrative:
I applied for a XXXX dollar loan with XXXX XXXX to attend XXXX The XXXX University In XXXX for Fall of XX/XX/2018. XXXX took the money before I ever even got to register for classes. I attended there for less than 24 Hours and came back to US and Informed XXXX XXXX That they needed to Cancel the Loan seeing that I wasnt a student at XXXX. XXXX XXXX said they couldnt Cancel because XXXX Took the loan already but XXXX took the loan during the summer before I was Officially a student. Ive asked XXXX XXXX and Have tried to explain my situation to XXXX XXXX and explain XXXX Fraudulent Actions and they have been no help and the XXXX is putting a big toll on my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 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: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/2018, a {$15000.00} charge was made on my now-closed XXXX checking account. This charge DID NOT originate from my Coinbase account. My Coinbase account was not compromised in any way as I have 2 factor authentication and new device security enabled that were both not triggered during that time. My XXXX checking account was also not compromised as I have new device security enabled that was not triggered during that time.

I have complaints out with the Illinois Attorney General 's office, the FBI IC3, and a local police report for this fraudulent charge. I also have an active claim with XXXX XXXX  regarding this fraudulent charge. Coinbase is not replying to either of these channels whatsoever.

I implore Coinbase to please seriously look into this fraudulent transaction with their bank XXXX XXXX XXXX so my funds can be returned to me. I will provide any evidence necessary to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
they charged my savings account a withdrawal limit fee of {$60.00} for the month, no where in my contract or opening of my savings account was i told verbally or written that this would happen. I have never been charged this fee, I filed a previous complaint several days ago because they also charged me a $ XXXX monthly fee to my checking account again previously never being charged a monthly and never been told that I would be verbally or written this whole time Ive had my accounts

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 2018-11-09 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I setup an online account with BMW Financial and also setup an auto pay account. I was assured the payments were setup for this auto pay but received a call a few days ago stating my account was past due. I made a payment of {$1300.00} ( 2 months payments of {$690.00} ) immediately and also reconfirmed the autopay was in fact activated for future payment to avoid this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: GA

Complaint narrative:
I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. Equifax shows me being delinquent XX/XX/XXXXbut the account was paid in full on XX/XX/XXXX. XXXX does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
I process a payment for rental a car online and card was accepted but when we visit the location they refuse to accept the card and decline the service.

Company response to consumer: Closed with explanation