vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know. 

XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I checked my XXXX credit report and noticed a collection that wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Social Finance, Inc.
State: CA

Complaint narrative:
When my student loan payment was set up, I had a different employer, and my monthly payment was set, based on how much money I made with that employer. Now, I no longer work at that company, and I make significantly less money, because I'm working for myself, starting a new business. My loan payment is so high, it is more than I pay for my mortgage, and I'm struggling to make my monthly payments. I physically don't have the money to pay such a high amount every month. I've contacted my student loan company, Sofi, several times ( most recently on XX/XX/18 ) to explain that I need to lower my monthly payment to an amount that reflects my new income, but they tell me there's nothing I can do. My account is now delinquent as a result. To make matters worse, they raise my interest rate every month, making this physically impossible to ever day off in my lifetime. I've already paid back the amount I borrowed and then some, ( over the last 13 years ) but still owe the same amount I started with. I'm just looking to simply lower my monthly payment to a reasonable amount that I can keep up with. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XX/XX/2017, I noticed that multiple cards were opened with my information under XXXX   bank and used up to the limits. I contacted XXXX and the credit bureaus to inform them of fraud but both refused to research the claims and proceeded to place these cards on my credit file. As a result, my credit has been damaged. I have requested proof that I signed paperwork permitting a credit card with this company and have been provided none.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Credit limit dropped purportedly due to not honoring or fulfilling the terms of stated contract. 
I am a long term customer of XXXX ( XXXX ). On XX/XX/XXXX, via XXXX XXXX, I learned that my credit limit on both of my accounts had been decreased to the actual balance owed on the card. On XX/XX/XXXX, I immediately inquired as to the reason ( s ) behind the decision which has detrimentally affected my credit history/score. Unfortunately, no representative of XXXX XXXX took this into consideration of which one representative, purportedly a manager, XXXX, readily admitted 'that they have no way of knowing what impact lowering a person 's credit limit will affect the score/credit rating. 'Sufficed to say, as a victim of identity theft and being XXXX  since XX/XX/XXXX, I know the impact this incident has done to my credit. Moreover, I have VERIFIABLE PROOF of how my credit has been affected by lowering my score. I received an alert from XXXX regarding my credit ; and sure enough when I viewed the alert, my score had been lowered and it had been reported that XXXX had lowered my credit. Also according to XXXX while continuously apologizing, she alleged that based on information in my credit report, 'they ' made the decision to lower the score. Apologies were not accepted for by no means were they sincere. Shortly thereafter, I spoke to another ( purported ) manager, XXXX, who alleged the credit was lowered due to my account being delinquent ( 3 ) months. She further stated, 'You agreed to pay your account on time and you failed to honor the agreement which you signed. ' This infuriated me even more for it was abundantly clear that NO consideration was or has been given for my years of loyalty as a customer of XXXX where I purchase all my clothing and some household items. Now, after reducing my credit limit, I am unable to buy anything at this point. Notwithstanding, in terms of my account, I also have Credit Protection whereby where it is alleged that I was delinquent, a claim was in place. Her response to me which was rather rude, insulting, and condescending to say the least : 'Any order to have your bill paid, you must first file a claim ... 'After that derogatory remark, the conversation continued to decline rapidly. Notwithstanding, my account has been handled several times with the Credit Protection. This was simply due to several ( brief ) periods of unemployment which ultimately led me to being XXXX. Now that my XXXX  is coming to an end, ( XX/XX/XXXX ), I have to contend with tarnished credit because XXXX doesn't deem me worthy of having credit and therefore deems the solution to further tarnish my credit. This is most unfair and discriminatory at best.

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 2018-07-18 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: NY

Complaint narrative:
Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. 

I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. 

When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Back on XX/XX/2015 someone deposited bogus checks into bank of America account and then attempted to withdraw the funds. I have on multiple occasions spoken to bank of America and have gotten nowhere. If I committed fraud I want them to prove that I did.

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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MS

Complaint narrative:
The original company XXXX XXXX sold us a house. Later the loan was sent over to SN Servicing. A couple years after buying the house when we went to file exempt from paying taxes, we found out we did not own the house. We also found out SN Servicing bought the house. They first told us we were leasing the house. When I asked about paying a mortgage and signing so many papers then they said its a Land Contract. The contract we signed was fixed rate mortgage and the mortgage keeps going up. She said its because of escrow and escrow has nothing to do with mortgage. Either way, we are both exempt from paying taxes. They said the only way we would ever own this house is to refinance or to pay it off. I'm not even sure if the paperwork they sent me is the original that I signed. We were not given a copy on the day we signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vargo & Janson PC
State: CO

Complaint narrative:
The company and their lawyer has only given me limited information on the debt, so it is hard to say what it is. I had numerous credit card numbers stolen 11 years ago and didn't find out until the accounts were closed, that it happened. I didn't know what to do. The tactics performed by this company and their lawyers seem unlawful. They are trying to have me arrested, despite their limited knowledge of the account. They can't prove that I owe the money, based on the letter they sent me with all the info. It was only a single sheet of paper. I requested the full file on the account and their lawyer XXXX said that is all they have. They obviously bought the account for pennies on the dollar and are trying to harass me to get over $ 10K from me. They know that I don't hold a job and am XXXX. They continue to harass myself and my parents. One of their employees who delivered a letter to my mother used inappropriate language when dropping off the court hearing request. These tactics need to be looked into, because my poor mother shouldn't be cursed at by some sketchy XXXX they employee. I also find it funny that the addresses listed online for both businesses are the same. Seems like they are trying to pull something on consumers to parade around to be an entity which they aren't. Please help myself and others from further harassment caused by these bottom dwelling low-life lawyers only out to get rich at the cost of people 's livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
We have had a XXXX XXXX Business Mastercard since XXXX, we have never had a balance carried, always have paid in full every month. XX/XX/XXXX our account was put on restricted status, not sure what that even means, all our cards were immediately rendered useless. I called into Capital One and was informed that the cards were restricted and that no other information could be given to me. All access to our account was suspended. I can't find out what charges have been made either online or via phone. The suspension of our account has created a hardship for our business and employees. Our treatment by Capital One has been unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Over the past ( 5 ) five years Capital One financial had managed to snap of 90 % of my Store Brand credit cards i.e XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. account as the credit card provider merchant. Without full disclosure had changes terms and agreements, payments due dates and posting timelines. Captial One is now engaging in the late posting payment games charging late fees, and forcing the consumer to pay a higher minimun payment amount due on the next billing cylce. Prior to Capital One now becoming a monoloply on merchant serivces I had filed several complaint with CFPB about Capital One very same practices over ( 8 ) years ago. 

Therefore, I am once again reaching out to my Federal government and asking for consumer protection from one company taking possession of multiple Store Brand card services and engaging in deceptive billing practices to generate more funds to buy up more companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my XXXX account was hacked and I was billed for a XXXX   XXXX, for {$590.00}. I immediately disputed the charge with Chase Bank and XXXX. However, after no investigation, where all Chase got was the statement that the billing address and shipping address matched and therefore it was a valid charge. 

I never authorized the charge and it seems like Chase did little to no investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX.

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached

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 2018-07-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Around two months ago, I called the credit card team at my bank to request a merchant to be blocked from making further charges to my account. The bank agreed to block any further charges from said merchant and allegedly placed a block. 

Couple weeks later, I discover in my online statement that a large {$25000.00} USD charge was pending to post from the merchant that was supposed to be block. I dialed back and the banks told me to not get concerned since they could see that indeed the merchant was blocked and the charge will not post. 

Unfortunately, two days later I realize that the charge did indeed post into the account, despite of the block. 

I have now went through the bank dispute process and the bank has denied my request to credit the amount alleging that the charge was authorized at the merchant level earlier and that they could not honor the merchant block I requested and they " guaranteed '' they would process. 

Had I known that the blocking process would have not worked, I may have found alternate solutions like closing the account altogether to avoid any unauthorized charges from posting into my account. 

I have been a responsible client of the bank for over a decade, having spent and paid for over $ 1m in credit card charges over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: OH

Complaint narrative:
According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau in direct violation of 49 CFR 801.56, GRAMM - LEACH - BLILEY ACT and numerous consumer protection laws.

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 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources
State: OK

Complaint narrative:
XXXX XXXX XXXX was paid for laboratory services and added an additional rider to the insurance claim sent to XXXX XXXX. The additional rider was denied and I submitted an appeal to my insurance ( XXXX XXXX ) and a secondary appeal to the XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I submitted the appeals based on the EOB 's received from my insurance denials. I never received a single bill from XXXX XXXX XXXX and I personally verified they had my correct contact information. I even have email correspondence with a XXXX XXXX with her providing an explanation of the insurance rider code to assist with my appeals on XX/XX/XXXX. The rider is a fee attached for professional review of laboratory results that the Dr claiming the fees never personally sees. All labs were taken at XXXX XXXX XXXX and ran on site and returned within minutes. XXXX XXXX XXXX is essentially extorting money from patients outside of what insurance already pays. While awaiting appeal results my " debt '' was sent to Account Management Resources as a collection with a date of XXXX XX/XX/XXXX under two accounts in which I only noticed due to a change in my credit score in XX/XX/XXXX. One totaling {$2800.00} and the other {$400.00}. I have never received a bill from either company for these amounts and I have proof that I've paid the only bill I received from XXXXXXXX XXXX XXXX in the amount of {$67.00} back in XX/XX/XXXX. These debts have never been validated and I was not given the chance to fully dispute the charges or make payment arrangements prior to the debt being sent to collects and to my credit score.

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