vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HELLO! I 'm disputing with Bank of america. When In XXXX in XXXX on XXXX i tried to put petrol at XXXXXXXX XXXX XXXX Every XXXX has their own employees for putting some petrol and customer 's card processing purpose. At the time they took my credit card and inserted to their card processing device. But it was declined 5 times incluing my brothers credit card 3 times and mine 2 times. So finally ended up using my brothers debit card. After travel, i found out they charged me {$77.00} US dollar even though it was declined 5 times. I could n't use my credit card at all. I think this is definitely double charged and i have no reason to pay again. also i do n't get what based on they charged me XXXX I thought everything is going well because i have declined slips. But the problem has been started from here. My bank credit card claims department keep saying that i have to pay {$77.00} Because there was no credit card numbers, the amount to be credited and merchant name on the declined slips The credit card dept keep insisting that these are not vaild credit card slips. If these are not proper card slip, who gave me the credit card slips? I did n't get any valid slips from XXXX company. this is not my mistakes Do you know what even worse things? At the time putting the petrol, i did n't sign on the recepit at all but the petrol stn and bank of america  keep saying that i signed so i asked BOA to send me copy of my signature and they said already mailed me it was more than month ago and i called a few times the bank sent the mail for sure Everytime i called they said just wait but i think they are lying I have been spending huge amount of time to solve this problems and too much stress since XXXX I guess no one fight for this long. most of them would give up. But the credit card dept never change their stands. finally i have no choice but reach the XXXX head quarter to solve this terrible problem and i 'm still waiting So my suggestion is asking the Bank of america whether they sent mail or not I have no idea even they have my signature as proof of purchase If it turns out that the bank is lying there will be a huge problem of trust. I would really apprecite your response and contact me please

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 2017-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Uber Technologies Inc.
State: TX

Complaint narrative:
The vehicle was reposed, but was paid in full with my so #. They are sharing and selling my social security and my personal indo to others

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
1. Ocwen failed to provide for any principle reduction..
2. Ocwen failed to provide for the reduction of excessive and exorbitant fees that they have assessed.
3. I have provided Ocwen notice of errors in the statement of account they have provided, and they have neither fixed the errors or provided any explanation.
4. Ocwen is dual tracking me. After approving the trail modification with the payment scheduled for XXXX XXXX, they sent a notice of a foreclosure sale scheduled for XXXX XXXX. I believe this was a bad faith effort to manipulate me into signing a deficient modification offer that is out of compliance with the guidelines of the Federal Settlement they are bound to, and accepting a ballon payment of over {$500000.00}.
5. Ocwen has sent letters stating 3 different amounts as my payment. After sending their proposed modification payment amount they sent a new statement stating a payment that is 40 % higher. What is the payment going to be after the trial period?

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: TX

Complaint narrative:
I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to Transunion, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

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 2017-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

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 2017-06-21 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: ID

Complaint narrative:
-XX/XX/XXXX Divorce : Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation XX/XX/XXXX -XX/XX/XXXX : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' ( XX/XX/XXXX ) owed is {$4100.00} -XX/XX/XXXX : Ex-spouse and new husband file bankruptcy and include " Account '' on it -XX/XX/XXXX : I find out about account past due balance and bankruptcy.  Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with XXXX, Experian, and XXXX  regarding the " Account ''. XXXX has deleted it from my report. Provided additional information and details in writing and online to XXXX & Experian, with no result of deletion from my Credit Report.

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 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

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 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I attended XXXX XXXX college between the years XXXX-XXXX. I did graduate with a XXXX XXXX degree and a minor in XXXX. I was given the most expensive loans before given the federal loans. I owe Navient $ XXXX in private student loans! I should have never been approved for this amount. I find myself extremly XXXX ALL the time! I ca n't live with this dept anymore. Two years ago, on or around XXXX or XXXX, I recieved a phone call from a Navient representative telling me that they would send my mother, who is a co-signer, in jail if I did n't pay up. At the time I had not maid any payments because I was still in school. I was attending XXXX XXXX XXXX full time. After almost tow hours arguing on the phone, they placed me on a plan to only pay {$480.00} a month, this ONLY covers the interest! No payments have gone to the principal. They also warned me that if I miss a payment, I would for sure go to jail. They said that if I chose to go to court I would have to pay for Navients lawyers and their time! Is there ANYone who can help me with this? I am going out of my mind!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch
State: IN

Complaint narrative:
I was contacted by XXXX XXXX at XXXX XXXX XXXX advising they were trying to collect on a debt of mine prior to it going to garnishment status. XXXX XXXX stated what the debt was for my green XXXX that had gone back to the bank, and this was for remainder of debt. She advised I could make a lump payment and set up payment arrangements my debt would not continue to garnishment status. She advised that I needed to pay {$540.00}, and payment arrangements for {$220.00} monthly to keep debt out of garnishment. I advised XXXX XXXX I was off on XXXX XXXX XXXX at the time but would try to see if I could get money together. XXXX XXXX called back following week to inquire about payment. OnXX/XX/XXXXI authorization a payment of {$540.00} against my debt on XXXX She advised she would call back next month to finalize payment arrangements, as I might have a better idea when I would be back to work. Approximately 2-3 weeks later I received paperwork to go to court concerning debt. I called lawyer on lawsuit who advised that they have not received any money against debt. I gave her information, and she advised that they do not use outside collection agencies, and it was likely fraudulent. I contacted XXXX XXXX who said " it has n't even been 30 days, I do n't know why that would happen ''. She advised it may have possibly been because payment arrangement was n't finalized. She asked for lawyers name/number and advised she would call back. Received no call back, so called company back. XXXX advised XXXX XXXX was not in, and she would leave message for XXXX XXXX. She also advised that sometimes these companies do not know who collects for them. I called XXXX XXXX XXXX XXXX several times, in which I was told message would be forwarded to XXXX XXXX supervisor. Called several more times with no answer. Finally reached an associate XXXX on XXXX/XXXX/XXXX he advised I needed to talk to the payment department and transferred me. I called daily from that point on with no answer. I contacted my bank and advised I needed a dispute form. During that time I moved, and dispute form was misplaced. Bank sent letter advising dispute was closed. I contacted bank and asked for new dispute form and changed address on record. Did not receive new dispute form. Contacted bank again who advised that I needed to come in to branch to file complaint. Contacted bank to check on status of dispute. Bank advised too much time had passed and could no longer pursue claim. Payment was listed as going to XXXX client services in XXXX, GA. The phone number for XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX which is now disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
hello I submitted an application for a $ XXXX HELO from PNCBank on/about XX/XX/XXXX on property on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - value of $ XXXX. I own the home outright, no debt. Since I just submitted a HELO from PNCBank for another property I own outright, XXXX XXXX XXXX , XXXX, FL XXXX - HELO for $ XXXX was accepted I knew exactly what documents PNCBANK needed. I provided 2 months recent pay stubs XX/XX/XXXX fed taxes XX/XX/XXXX delayed tax filing all assets, including XXXX XXXX valued at over XXXX XXXX dollars. PNCBank assets Despite all this information, PNCBank kept on asking and asking for more information, which I provided. I have been banking with PNCBank now for over 25 years, I have had over $ 600k of mortgages with PNCBank, all of which are paid off. So, there rejection now because of lack of documents is false! They are giving me a hassle, most likely because I turned down using PNCBank to buy properties and instead paid cash for them. Now PNCBank doesnt want me to have HELO 's on these properties. Ridiculous. If this is how PNCBank treats its long time customers, l think this should be noted for new consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase had a fraudulent " flash crash '' Due to  deliberate market manipulation at XXXX on Ethereum which caused everyone to lose millions and billions of dollars. I myself lost a substantial amount of money. XXXX XXXX  XXXX There are numerous people that were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: WA

Complaint narrative:
I obtained my federal student loans in order to attend XXXX XXXX ( graduating in XXXX ), and I subsequently refinanced them with XXXX. XXXX subsequently sold the loans to XXXX XXXX, who then sold them to Navient. XXXX had a principal payment option electronically available on their web site when they had my notes. Navient has no process to make principal only payments, and refuses to recognize my requests to make them, even though my accounts are on auto payment and in good standing. It seems that if you would like to avoid their archaic repayment system that appears designed to ring every possible cent of profit out of a note, you have to save your extra payments until you have enough in the coffee can to pay them in full. So while the documentation I signed say there is no prepayment penalty, Navient effectively adds one by refusing all pre-payments until the loan is repaid in full at that moment. And they pass this off by saying that it 's the Department of Education 's fault, because they decide the repayment terms. I 'm certain, however, that the Department of Education has not precluded Navient and other firms from accepting principal only payments from customers in good standing unless it comes in a full payoff. The effect of Navient 's position is illogical on its face, and absurd in its impact. This is clearly a profit motive on the part of Navient to deny principal only payments, and I believe they should be held to account. My Navient account number is XXXX, and I am willing to provide statements as required to support my claims. My most recent discussion with Navient took place on a chat board on their site on XXXX/XXXX/XXXX, beginning at XXXX XXXX. This is what that discussion looked like : XXXX XXXX XXXX XXXX I do apologize, all payments are applied to the interest first and then once interest has been satisfied, payments will be applied to principal. XXXX XXXX XXXXXXXX XXXX I 'm sorry, that 's not my request. I want to make a principle only payment. XXXXXXXX XXXX I would like to know how to do that. XXXX XXXX XXXX XXXX I do apologize, that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation
State: MD

Complaint narrative:
On XXXX XXXX 2017 I had spoken with Unifirst Mortgage. I had clicked on preapproval on the XXXX Application. I was contacted by XXXX XXXX via phone call by their office. It was at that time I expressed I was only looking to see if we, my husband and I could even get a preapproval. I had zero understanding on the process and expressed this. I was charged a fee to go foward with submitting an application. I was told we would have to get a FHA loan. I later found out with my husband from a local company we are actually able to get a USDA loan, which we are going foward with. I contacted Unifirst to get my money back and was told the payment was actually for a credit analysis. This was not what we was trying to do. We only followed instruction by the loan officer 's at Unifirst, thinking this was an only option. We found out again, this was wrong. I felt uncomfortable at the time paying for an application and am still upset over the fact, that I was dismissed and no further contact was given after I requested for the refund.

Company response to consumer: Closed with monetary relief