vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX. The payment was mis-routed and was never applied to my school loan serviced by Navient. I've called no less than 8 times and every time was given different information on when my payment would be applied to my account. 

I called in with a representative from my bank to confirm payment was sent and was told by the Navient rep that my payment would be routed to my account in 8 business days, after those 8 days I called again for an update as my account was stilled labeled as past due. I was then told that the entire process takes a total of 14 business days and that I would need to call back in another 8 business days - that  math doesn't add up, I know. 

I called again after my account is still labeled as past due and affecting my credit, and was told that for the payment to actually be applied to my account it would take several weeks. Never have I been given a consistent answer from their customer service representatives. 

My bank can not process a refund for me either, because of how their XXXX  is set up. They claim it is in Navient 's hands now to find and reroute my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/18 a letter was sent out from Nationwide Debt Management Solutions in XXXX, CA. It was regarding the tow and storage charges on a vehicle that was never registered in my name and that I was not in possession of at the time of the tow. I also went to DMV where they advised I was never a registered owner and not liable for the vehicle or any tow charges incurred. I called on XX/XX/18 to advise them of the information and that I would be disputing the debt in paper and send certified, return receipt, first class mail today which is within the 30 days I am given to dispute the debt. They then advised they would throw away any written correspondence and debt dispute letter I send and would go ahead with reporting this invalid debt to credit reporting agencies and mess my credit up. They also stated the DMV has no jurisdiction or say in who is liable for a vehicle. I asked if they had a judgement ( I was never served or notified of such a judgement ) and they stated it didn't matter they could ruin my credit with no judgement. I was also insulted in several different ways such as being told I am ignorant, XXXX, incompetent of understanding etc. My rights to dispute the debt are being infringed upon by being told my written dispute would be thrown away and told my credit would be ruined with no court order/judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Over this past year Ive gotten numerous phone calls from XXXX ; Bank of America, this last one at XXXX, XX/XX/2018.they are insisting that I am Late with my payment. I have never been charged with a late fee for my mortgage, and Ive had this mortgage for five years. Nastily Ive been told that Paying in the grace period ... means I am late, and what am I going to do about it. Well Im XXXX and as soon as my checks are cleared, I write my morgtage But that doesnt seem good enough ... then the woman got real nasty and said if Im renting to anyone, or not living there my interest rate should be higher..I told her no I am the only one that lives here and that I am homesteader in XXXX XXXX, Florida . 
Six months ago, they called to check to see if I was a foreigner ... and asked for a copy of my passport.

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, XXXX, after the XXXX  data breach I froze my credit at Equifax and XXXX. I could not freeze my credit at Experian because of system problems. I was given a pin number and after trying to freeze my credit by telephone, I was told I needed to mail the request in. I chose not to mail the request, so my credit report with Experian was not authorized to be frozen. 
Today, my potential mortgage lender, XXXX XXXX could not pull my credit because they were told that my credit was frozen by Experian. Per my request, XXXX and XXXX  had unfrozen my credit. However, because of Experian they could not proceed. 
This is my complaint. Experian is not accessible by telephone to unfreeze credit neither do they give an option to talk to a person. I called the number they publicized : XXXX XXXX times. Also, I called the two numbers XXXX XXXX gave me : XXXX and XXXX and heard the same prompts ( 1or 2 ) nothing for freeze and no option for a representative. I just checked online using my Experian PIN and the message I received '' ... you do not currently have a security freeze on your account.So, if I do not have a security freeze on my account, why are they reporting it as frozen? I need to talk to someone to get this issue resolved. My credit at XXXX and XXXX   will refreeze on XX/XX/XXXX XX/XX/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 2018-09-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and I have received a letter stating that my claim has been denied because there was a similar claim last year. I do not agree with the decision as I am a victim of identity theft and two of my credit card lost/stolen within past 6 months. I know I had lost my card last year but this isn't the strong base to deny my claim. As you can see that I didn't even use this card as much throughout the year and all of a sudden there are hundreds of transactions charges in only one moth. 

Any and all of the transactions that were made from XX/XX/2018 thru XX/XX/XXXX or XX/XX/2018 are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. ( Totaling {$8800.00} ) I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 

Wells Fargo already have cases against them for not being reliable and I am so disappoint on both incidents. I never received a call or text when all of these fraud charges were made. 

Please contact me for any concern/questions at ( XXXX ) XXXX or via e-mail at XXXX. 

Regards, 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 monetary relief
Consumer complaint received 2018-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Paid off {$2500.00} balance in full by due date. Next statement had interest charge of {$48.00}. I called to ask for it waived and they refused. I have NEVER had an interest fees waived on this account in the 3 years I had it. I was never late and they are retaliating against me for paying off the balance. Today, XX/XX/18 I called and closed the account and refused to make interest payment of {$48.00}. They threatened me with collections if not paid. I know you can not charge interest on interest or report late payment for interest only balance. I will not pay the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have two Discover Cards # XXXX and # XXXX and am a long time customer. 

The interest rate on purchases on card # XXXX was lower than my card # XXXX. 

Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. 

I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. 

I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. 

I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent money to a friend using XXXX through Chase. I entered my friend 's name and phone number. He had never used XXXX before so he went to his bank ( XXXX XXXX XXXX ) to ask how he could receive it. He was told he could not because be did not have a personal account, only a business account. When I went back to cancel the request I saw that the transfer was completed. Now, XXXX wants you to make a claim through the bank, not directly through them. I did just that and was told there is nothing they can do because XXXX does not check the recipient 's name, only the phone number or email. Since I used my friend 's phone number and he is not registered with XXXX, the amount was aparently deposited in an account tied to that phone number before it belonged to my friend. I was told there is nothing XXXX can do to recover my money even though I sent it to the right person and the right phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: FL

Complaint narrative:
This is about a 2nd home loan mortgage from First Republic Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Loan was Funded XX/XX/XXXX. The loan number is XXXX. The loan document has a second home rider attached to it. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has bee rented out for short term rental since XXXX up to and including XXXX. XXXX. The home has been permitted to rent by XXXX XXXX Nevada and advertised in XXXX since XXXX. Item 8 Borrower 's  loan application is in question.

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 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XX/XX/2008, I attended XXXX XXXX XXXX XXXX in XXXX MD. Originally the XXXX XXXX took care of the tuition which was {$16000.00}. The school took out loans in my name under the guise of living expenses. I only received one of the many loans that is on my credit report which is in the amount of {$6800.00}. The other loans that are on my credit report are fraudulent because I never received any of that money. The school would make up excuses for why students couldn't get their money, whether they were under 90 %, they missed a couple days, they weren't able to get their money and the teachers and faculty pocketed the money. Now {$26000.00} later, I'm still paying the interest and not seeing any results from payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX notified me by email at XXXX on XX/XX/2018 that my account with XXXX XXXX ( XXXX XXXX XXXX card ) had closed the day prior on XX/XX/2018 since the credit card program was discontinuing. XXXX  did not tell me I had an outstanding balance, nor did they make me aware that it was possible to have a balance on a closed account. Because XXXX had explicitly told me the account was closed, I stopped checking that account. 

When I realized I had a small outstanding balance that had been accruing interest and late fees, and harming my credit score, I immediately paid the balance and called XXXX  to rectify this issue. The woman I spoke to was helpful and suggested that XXXX would reverse the negative report. However, they did not do so when I sent them a letter requesting a reversal of that report. 

XXXX 's incredibly misleading communication ( that my account was closed ) led me to believe I had no balance, and it feels like XXXX intentionally misrepresented the situation customers through this communication to extract interest payments from them. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: MI

Complaint narrative:
I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.

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 2018-09-07 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: CA

Complaint narrative:
I never missed a payment or never defaulted on my student loans since XXXX ( end of grace period ). Navient become a my loan servicer on XX/XX/XXXX. 

1st incident- I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX ( due date the XXXX of every month ) for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. As a result, I faxed a letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on my credit report. 

2nd incident - I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. On XX/XX/XXXX, I spoke to a woman named Ms. XXXX, a Navient representative, at XXXX XXXX. PST in regards to this recurring issue of not posting my on-time payments. As a result, I faxed another letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on reporting to credit agencies. 

As a borrower, I am performing my due diligence and also relying on Navient to perform its due diligence as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: MI

Complaint narrative:
I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: MI

Complaint narrative:
I have disputed the collection account from '' XXXXXXXX XXXX XXXX  '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.

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 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
Ok so first off this account does not belong to me a few months ago it was with another company XXXX XXXX it was removed from all three credit bureau 's. So i wake up a few weeks ago and I get several alerts that I have a knew collection account from Credit Managment whom I have never heard of, and never received any communication from at  all. I have been calling them everyday since they added this account to my credit profiles. Not only do I not owe XXXX XXXX because I have never had an account with them but isnt it illegal for Credit Management not to give me any notice and ruin my credit they I work very hard to correct and maintain. This is ridiculous I do not appreciate their lack of tact how after I successfully got this account removed while it was with another collection company they then buy it and saddle me with it yet again. This is incorrect and an over use of their power further more for me to not to be able to reach them is very unprofessional..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXX XXXX   account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX of this year, I decided to pay off the total balance of my signature plus loan to a total of {$6600.00}. I wanted to pay off this balance because my APR was 12.5 % and I wanted this off the books. After waiting over a week for this transaction to clear my account, I went onto my Navient account mind to see that reversed my payment and charged my the full months interest and then deducted my monthly recurring amount of {$100.00}. I called Navient to resolve quickly, and they apologized for the issue and came to the conclusion that there was a glitch and that their computer tried to pull the funds from another account I had on file. My pushback was that I have never had another bank account associated with my Navient account. I was charged {$70.00} in interest and then paid the remaining balance off in full over the phone, and I will be waiting 3-5 days for that payment to clear. I am sure I am not the only one that this has happened too. And the blatant corruption and abuse to student borrowers need to stop NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2018 CapitalOne Account # XXXX This account was inactive and closed account for nearly a year. They suddenly charged me a membership fee of {$39.00} that I paid to avoid hurting my credit score. Call the company and file the complaint. It shows that it was inactive / closed but I am still charge the " membership fee '' They admitted that this account is inactive. They refused to reversed the " membership fee ''. I think it a scam for them to suddenly charge a so call membership fee. 

The refused to give me a cancelled confirmation but gave me some weird ID number XXXX.

Company response to consumer: Closed with monetary relief