vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I am being contacted by Citizens Bank about a private student that was in my bankruptcy that was discharged in XX/XX/2018. When I called back to tell them it was in my bankruptcy the man argued with that private students loans can not be discharged in a bankruptcy, I asked him to stop calling my work number. I told him I would have my lawyer call them back, he told me I needed to give written consent for my lawyer to discuss this matter. I sent written consent but Citizens Bank told my lawyer they needed to have a power of attorney to discuss the matter with them. They have been calling me at my employment number every day even after I told them I can not take the calls, please stop calling my work number. And every action I take, sending written consent, etc they change what they require to have my lawyer tell them this was discharged in my bankruptcy and to stop contacting me about this. They are going to great lengths to avoid being told this is an invalid debt. Its getting ridoulous that this is continuing after they have been informed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the second complaint I have filed. Your company sent a inquiry to Citibank and their response has been to go back and other fraudulant charges made by the same establishment apply back to my card after they initially removed them from what I owed. They tacked on charges of approximately 12000 dollars that a bar ( XXXX XXXX   ) charged me when I never purchased anything near the amounts they charge me. I sit there and drink beer there is no possible way I worked a bill to the amounts of XXXX. Its insane and others have complained on reporting sites. Citibanks justification for charging me the fees is that I admitted to being present at this establishment. That in no way means I racked up that much in a bill. The bar is run by gangsters and no one is stopping them from over charging and not having he customer sign for their bill. I need someones help. I have this card for many years and this is the only time ever I have filed a fraud case.

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 2018-08-03 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 2.XXXX XXXX 3.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 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I graduated in XXXX, when I started repaying my loans I realized I couldn't afford it. I made several calls in XXXX to try and get this managed, my monthly payments were lowered enough for me to afford temporarily. I ended up deferring my loans. I had a hard time getting approved for continued deferment despite being employed under full time hours and still being unable to afford the payments they were asking for. I was charged several late fees when I was trying to get them back into deferment and was told that I couldn't continue deferring them because of my employment status, even though I still qualified. I was never offered alternate repayment plans when I was on the phone with them. I tried to talk to someone about consolidation in XXXX and they gave me extremely confusing instructions and basically told me to figure it out myself ( which I didn't till later ). I can not afford $ XXXX a month for 300 months with XXXX children to support. This is absolutely absurd that they wouldn't work with me to try and get a realistic payment plan together or tell me about the public service loan forgiveness. I also find it interesting there is no access to billing history online, I think it's probably a convenient way to hide overbilling when my loans were out of deferment. I eventually gave up trying to get in touch and work anything out. My loans are still in deferment due to my employment status, I don't know what I will do when that changes and I have to try to get them to give me affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.

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 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.

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 2018-08-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX my card was charged 5 times totaling around {$450.00} from multiple gas stations. There were two charges of {$100.00}, one charge {$98.00}, one charge {$98.00}, and a final charge of about $ 45-50 ( I forgot exact amount and dont have access to the statement at the moment ). I filed a dispute with the company which was denied before I was even able to send in the paper work. Because of this I was told that I have to send an appeal explaining that my case was denied before it was even opened which I completed and faxed to them on XX/XX/2018 and the company confirms the appealed was filed on XX/XX/2018. I was told the process would take 45-90 business days and to call on a weekly basis for updates. Each week I called and spoke to a different agent who said there were no updates and to keep calling weekly. Now in the beginning of XXXX, close to 120 days later an agent is telling me there is no update or information on my case and I should send in my appeal with the dispute letter if I still have it which I do not. I have been given a lot of misinformation about from various agents. Ive been told that they have no way to contact the dispute dept over phone only through email while another agent told me that if I call back during business hours they can call the dispute dept directly to get an update. Everyone I speak to gives me different information and no one is helpful in me resolving my case.

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 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 between the hours of XXXX and XXXX XXXX a unknown person used my debit card at a merchant in a neighboring city. I was unaware that I no longer had my card in possession until that night when I was attempting to get gas. When Chase my bank was first notified they administered a temporary credit but a week later they reversed it and now before making me aware of their decision are telling me I must get a lawyer to supena the merchant for camera ... ... I just wish they would have talk with me about what was going on so I would have been aware from day one of getting the temporary credit so I could have actively begin my own investigation into the matter as well ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: MO

Complaint narrative:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( Experian, XXXX, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

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 2018-08-03 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: MO

Complaint narrative:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, TransUnion, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

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 2018-08-03 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: MO

Complaint narrative:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, XXXX, Equifax ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There Was Previous Case Against Capital One 360 and they made a Decision on Not Opening Any Future Accounts With My Information and Identity I XXXX XXXX Was A Victim Of Identity Theft and i never Gave Capital One Permison to Open any Accounts With My Name In The Pass. and i Was Told Bye Capital One That They Have Ended The Relation Ship and that their Are Not Going To Open Any Accounts For Me In The Future and they also marked and block me from Opening New Accounts With XXXX XXXX and XXXX and i Never Open This Accounts with Capital One 360. 

Capital One Refused To Accept Police Report Any Type Of Evidence Showing that this Accounts Where Open Fraudulent and Capital One Wont leet me Open Any New Accounts Because Of This Incident..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: CORELOGIC INC
State: FL

Complaint narrative:
I had a hard credit inquiry done by Credco without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

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 2018-08-03 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
The XXXX XXXX XXXX people keep calling me and calling me about this debt. I sent a certified letter on XX/XX/XXXX asking for information and proof that I am suppose to owe all this money to XXXX for a best buy account. I ask for proof that I owe this ridiuculous amount this letter was sent and they returned it said undeliverable. I sent this to the address on the letter in which was on top of the letter, stating such. I have this proof but I can not download it to the computer. But if need be I can send it in. These people call me all times of day, night day after day and I wont it to stop. They are threating to turn this matter over to an attorney. I want this to cease until I am given proof about this XXXX dollar amount. I know as a fact I DONOT OWE XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: SC

Complaint narrative:
I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Updating my previous complaint XXXX with American Express. 

I had left out a couple important details. 

1. American Express did not increase my interest rate until XX/XX/2018 however, these XXXX 's backed-dated the higher interest increase to my XX/XX/2018 statement. Trying to squeeze out every extra dollar they can. 

2. American Express also claimed my interest rate was increased due to a large returned payment in XX/XX/2018. This returned payment was part of a fraud claim I reported. In other words, that payment was not by me or from any of my accounts and AMEX own investigation came to the same conclusion as all charges and fees where credited back to me,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.

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