vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.

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 2017-07-19 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: MD

Complaint narrative:
Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TN

Complaint narrative:
Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Credit report indicates I have opened a credit report with XXXX XXXX XXXX on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with XXXX XXXX XXXX, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( Transunion ). The response from XXXX was " we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ''. Further attempts to contact XXXX have not been fruitful.

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 2017-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: FL

Complaint narrative:
Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: MS

Complaint narrative:
I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.

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 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had already communicated this issue to the CFPB but it was left unresolved. On XX/XX/2017 Wells Fargo Financial charged me an unexpected {$5.00} interest fee and my balance stands at {$6.00} currently after i had managed to pay it all off. I made them aware i am paying my student tuition at XXXX XXXX College currently at {$11000.00}. They have continued their push to charge me unexpected and exceedingly high interest. I am asking that the cfpb help me resolve this as soon as possible to reach a solution.

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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 Capital One credit cards. I had 3 at one point, that were all used and paid on time. Earlier this year my card were restricted. I contacted Capital one numerous times only to be told that there was an investigation ongoing. After 2 months they eventually told me that the card was approved in error and it must be closed, but that I could keep the other 2 cards. Since that time I have continued to use those cards and pay on time and even received a credit limit increase. Today XX/XX/17 one of those cards was again restricted. I contacted Capital One again and after 2 hours was told my card was under investigation and that it may be closed but that I would have to wait days for an investigator to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: IA

Complaint narrative:
All Principle and Interest payments are {$940.00}. They reported the following $ ND XX/XX/XXXX {$1500.00} XX/XX/XXXX{$990.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$1500.00} XX/XX/XXXX {$5300.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXXNot reported XX/XX/XXXX {$1200.00} XX/XX/XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XX/XX/XXXX forXX/XX/XXXX, reported late XX/XX/XXXXfor XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.

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 2017-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation