vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
This company continues to put false information on my credit report. I have a letter and emails from the Apartment Manager saying I dont owe that and also a email agreement to be let out of lease also pictures of the apartment cleaned carpet and all. I have work orders from the 2nd day of moving in complaining about the bathroom floor leaking etc I have 30 work orders that I saved also witness from the last 2 previous tenants saying they had the same issues and were charged for it when they moved out. I will take this company to court this is not right and As of this moment I am getting all the information from the judge etc pictures and all I even have live videos of the place and the neighbors as witness of how the place was cleaned and the carpet company as a witness they cleaned the carpets spotless yet I'm being charged for carpet even after I asked for an exit walk through and they refused to do so that's why I took pictures and live videos and only spoke through emails so I can have it because they never fixed anything and I knew they would scam me that's why I had the health inspectors out there. Please show me the proof of what's owed or what was not cleaned because I have the live videos and pictures and emails from the manager saying I didnt owe I have all that stuff the clerck of the courts advised me to do so this is so wrong and it's a crime to falsely bill someone XXXX for what a floor that was already messed up I have the work orders that I put in from even the 2nd day even the previous tenants has work orders that they had put I for the same floor when they lived there we could of fell through yet they want to charge for wood they should of replaced a long time ago this is wrong so guess what I am filing charges and they tell me they no longer owe this account so I will go after this company for falsifying information I took all this to the court house when. We went to court I took the complex to court so the ongoing issue is already known that's why the health inspector came out this is wrong so I am suing. This is fraud and is against the law to charge or place something on someones credit that they dont owe especially with a signed letter from the leasing manager saying I dont owe it. I am pressing charges.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from Chase Bank on my XXXX  Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, Chase Bank responded to that complaint advising that they sent information to XXXX  to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. XXXX  has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to XXXX  to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per XXXX, they don't have anything from you supporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I start attending XXXX XXXX XXXX XXXX XXXX College fall XX/XX/XXXX and continue to spring XX/XX/XXXX. I completed the In school Deferment Request for both semesters, yet Nelnet continue to bill me while attending school. I paid on my school loan during my deployments, when I did not have too. Do not understand way Nelnet is ignoring my request for deferment. I must return to school because I need to obtain more education to increase my chances of obtaining a better paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX my son purchased a flight on XXXX for his college trip abroad on our Capital One credit card for {$1200.00}. When I looked at our credit card statement on XX/XX/XXXX @ XXXX it said the charge was declined. I called Capital One to find out what was going on as my son needed the flight information to give to his college, but they said the charge was declined and to make other arrangements. I went online and made other arrangements with XXXX to give to his college. I called Capital One back at XXXX just to be sure since there was a lot of money involved and I could still cancel XXXX. The second representative also assured me that the charge was declined and had fallen off and he could see that the XXXX charge had gone through. 

A few days later, on XX/XX/XXXX, I decided to check my statement and noticed that the XXXX charge was back on my card as of XX/XX/XXXX. I called Capital One to find out what was going on and to have the XXXX fee removed. They told me it would be easier to contact XXXX to have the fee removed. I called XXXX and they said they would refund XXXX the rest was nonrefundable. I called Capital One back to start a dispute since the information I was given by Capital One was wrong. They said my dispute was with XXXX, but I felt it was with Capital One. They said lets start by filing a dispute for the {$1200.00} with XXXX. I called back on XX/XX/XXXX to see how things were progressing but no information was available. 

I received a phone call from a representative from Capital One, on XX/XX/XXXX stating that XXXX was not refunding the {$1200.00} and that amount was being put back on my card. I asked for a manager and spoke to XXXX who is a manager located in VA who said she would investigate this matter further since I felt my dispute was with Capital One for wrong information. She said she would pull the phone records and get back to me by Friday XX/XX/XXXX. She didn't. 

The most recent letter I received yesterday, XX/XX/XXXX from Capital One, which again stated that XXXX was not refunding the {$1200.00} and that amount was back on my card. Again at XXXX I called Capital One and asked for a manager. After 62 minutes, I was connected with XXXX who said she would look into it but didn't have the ability to make any final decisions and refund money. She said a higher manager would get back to me within the hour. No one has called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: MA

Complaint narrative:
I had a mortgage with XXXX. The last time we made a payment on the account was XX/XX/XXXX. XXXX sold the account to Seterus in XX/XX/XXXX. We never had any dealings separately with Seterus. They took over the XXXX account. We sold the house in XX/XX/XXXX and paid off the mortgage. Seterus is incorrectly listing the account opened in XXXX and listing it as a foreclosure on one credit report. The account was never opened with them in XXXX. We had no dealings with them other than selling the house in XXXX nor did we ever take out a mortgage directly with them. 
There was a class action suit against them in XXXX because of their lending practices so we are not the only ones who have had problems with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America debit card was stolen along with my XXXX XXXX on the XX/XX/18 XXXX dollars was stolen from my checking and savings accounts.The person who stole my card and phone made purchases using my debit card and also hacking on to my online banking on my phone making XXXX dollars in transactions worth they also make XXXX dollars transactions on my debit card also. 
As soon as my card and phone were stole I canceled my debit card and filed a police report in these crime.I rang my bank and they investigated what accoured I sent them all the information they need police report pictures of the suspect giving to me by police phone records also records of all transactions used by suspect. 
The Bank of America give me back XXXX dollars of my hard working money. 
I want the rest of my money XXXXdollars. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nj 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 monetary relief
Consumer complaint received 2019-01-20 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: NC

Complaint narrative:
ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : EXPERIAN, XXXX AND XXXX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.

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 2019-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they  don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The XXXX Chase credit card is marketed and advertised on the XXXX website as a 0 % apr card. And it was till randomly now, 2 months after I got it. I got it last XX/XX/XXXX. Made about {$500.00} in purchases. The first month after- as promised no fees. The second month after - not only was there interest accrued, but they also XXXX   out my over XXXX promotional points that I was going to use toward the balance. I dont even get why they got rid of that. There was NOTHING about if you dont use the points within a certain amount of time you lose them, OR about interest being accrued after only 2 months. Maybe in microscopically worded fine print I got a month later- but not at the original e-signing or wouldve never gotten this card if they wouldve been up front about any of this.The guy on the phone said I must have gotten the interest charge due to buying something not on XXXX   which is impossible. I closed the card as soon as I got it in the mail and only used it online. In short- I demand my promotional points back and interest taken off. I wouldnt have gotten this card either if I had known it was Chase since theyve defrauded me in the past- thats how little they tell you at the e-signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: NC

Complaint narrative:
ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : XXXX, XXXX  AND EQUIFAX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
The alleged debts in question are more than 7 years old but are still being reported to the three major credit bureaus by Portfolio Recovery Associates, LLC and are still attempting to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Genesis Lending
State: FL

Complaint narrative:
I attended XXXX University in XX/XX/XXXX and graduated XX/XX/XXXX. I was forced to take out 2 loans one federal loan and one private loan. The university insisted that I use Genesis Lending. However due to XXXX University 's fraudulent behavior they were found to of committed fraud. I received a discharge through the Borrowers Defense lawsuit and was reimbursed for the federal loan however I paid my Genesis loan off in full and now I can not get the company to return any calls and can not get any answers concerning getting my XXXX dollars back that I paid in full. How do I get my case in on the lawsuit against Genesis Lending. I was just terribly mislead by this company as well as the XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: AVANTE
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX   XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted a seller on for tickets to a play. She stated her name and that once I transferred her money via XXXX and she saw the pending payment she would sent me the tickets. I transferred her money through XXXX. I used Chase. She gave me her name, email address and phone number and mentioned that her and her boyfriend had bought them but weren't able to make it. She said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. She text me about 15 minutes later to confirm she received the money and said she " sending the tickets now ''. .. About 30minutes went by and I didnt receive them. I had tried calling her back, and immediately a recording saying " your number has been rejected ''. I had my boyfriend text the same number asking if tickets were still available, she replied " sure are '', he asked for a screenshot of ticket details and she never replied. After contacting Chase bank they told me they couldn't do anything to stop the pending transaction ( they wouldn't even file a dispute against it ) and because I authorized the payment that " it would be like handing them cash ''. They suggested I call XXXX. So I asked them if this is a service provided by the bank and they are providing this to their customers what are they doing to protect their clients. XXXX 's customer service number prompts you to select an option whether your are calling due to an issue associated with a transaction made through bank app or online ; once selected their recording simply states to contact your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: MO

Complaint narrative:
i mad a debit transaction and a deposit on the same day. the bank debited the account first then applied the deposit the following day, resulting in an overdraft fee, which they refuse to waive. i have an atm receipt that hows the current and available balance being more than the sum of the debits and deposits being more than zero when i made the deposit, implying that funds were available 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