vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. 
I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. 

Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Second time this matter has been brought up with the cfpb. American Express offered an interest free business account for 9 months. Shortly thereafter, I began receiving interest fees on the account. I filed a complaint and the fees were refunded. 
I skimmed through my statements the last three months and noticed that interest fees were once again assessed. I reached out to American Express and chatted with employee named XXXX ( ID XXXX ). He mentioned that my payment was late and for that reason interest was charged. I explained to XXXX that my payment could not have been late as the account was set up for automatic payment. XXXX explained that since the auto payment had been cancelled by a previous representative ( without my request ) that a new auto payment needed to be set up. I requested that he refund the interest fee and he proceeded by refusing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX & XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a chase bank and credit card holder member. I am trying to close my Chase Sapphire Reserve credit card without paying next year 's annual fee of {$450.00}. The bank has closed my account but refuses to remove the annual fee ( for the upcoming year ) and expects me to pay it in full to then have it credited to me in 1 or 2 billing cycles. I have notified Chase of my desire to close the account within 30 days of the annual fee being posted on the account. The card service user agreement does not specify this particular section and does not state that the annual fee would be credited in 1 or 2 billing cycles upon closing the account within 30 days.

It is customary for banks and credit cards to not charge the annual fee upon closing the account within the first 30 days.

I do n't want to pay the fee to then have it refunded for a credit card I will not be using and I do n't want to pay interest rate on a charge that will be refunded. This is unreasonable. I have already paid Chase the outstanding charges ( less than {$20.00} ) for the last open statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had submitted a complaint about XXXX XXXX with your company back in XXXX and was sent notification that the late payment from XXXX XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my Transunion report, showing a late payment from XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with Transunion is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my transunion was accurate then changed 2 weeks later.

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had submitted a complaint about XXXX XXXX with your company back in XX/XX/XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XX/XX/XXXX. Upon pulling my credit report Equifax is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XX/XX/XXXX. I submitted a dispute with Equifax over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my XXXX  report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XX/XX/XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that equifax has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting on 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 explanation
Consumer complaint received 2017-10-09 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: ACS Education Services
State: IL

Complaint narrative:
ACS, the student loan company is reporting my loan as past due for the months of XX/XX/XXXX and again for XX/XX/XXXX. Payments for both months were made in a manner that would ensure the payments would be made before their 2 to 3 day processing period. The payments, however, were never posted and the student loan company proceeded by reporting me and damaging my perfect credit standing. Calls to the company go unanswered and my credit disputes are never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a ticket on XXXX XXXX using Reward Points from my Visa Signature card, issued by XXXX   XXXX  / Bank of American. My travel was interrupted by Hurricane Irma and the final leg of the flight, from XXXX to XXXX, was cancelled. Four of the people I was traveling with request refunds through the credit card with which they had bought their tickets and received a credit on their card within a week. I was told by the travel department of Bank of American ( Signature Rewards ) that since I had used points, rather than paying cash, I would have to contact XXXX directly and have them refund the money to Bank of America, who would then credit me with the appropriate number of points as a refund. I agreed and contacted XXXX. On XX/XX/XXXX. XXXX processed my refund to Bank of America for {$72.00}. ( I have an email to that effect from XXXX. ) Since Bank of America had told me to re-contact them when the refund had been sent, I did so on XX/XX/XXXX. The representative said that she was inputting the necessary information to have my account credited. I waited two weeks, beyond the time the represented said would be necessary, and checked my account. Nothing had been credited. I called XXXX XXXX XXXX Travel again today and was kept on hold for over 30 minutes in an attempt to speak with a supervisor. The rep I was in contract with could do nothing to help me, By the way, here is information from the Travel Center regarding my ticket : Travel Center booking number : XXXX At this point, it seems like even though this is a small amount -- I really do n't know how many points should be credited -- I would like to see a better response from the travel department / rewards program. I suspect the response would be just as bad if a larger amount were involved, and, as a consumer, I really do n't know how to continue to address the issue, short of this type of complaint. My name is XXXX XXXX XXXX and my home phone number is XXXX. Please contact me if you need more information. Thanks you.

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 2017-10-09 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team

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 2017-10-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.

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 2017-10-09 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: CA

Complaint narrative:
I contacted Transunion to inform them of unauthorized inquiries made on my credit I was a victim of their inquiry issue they said nothing could be done

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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.

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 2017-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I signed up for classes at a school name XXXX XXXX XXXX here in XXXX, Michigan, and I was pretty much tricked into taking out a student via XXXX XXXX and the school was part of a Ponzi scheme, and it closed without warning. I had filed for bankruptcy and tried to get rid of the student loan debt ; but it did not work, so I filed for a adversary proceeding in court against XXXX XXXX back in XXXX/XXXX ; There was a lawsuit filed against this school for breach of contract and misleading students ; I went to court to try and discharge the loan. I also had a Federal loan as well, but this was in regards to the Private loan ; I continued to pay on the federal loan as agreed with the judge ; and the judge told me to submit discharge papers and information to XXXX XXXX ; they have been giving me a head time ; the courts awarded a judgment in favor of the students, but XXXX XXXX, now Navient will not discharge the loan ; they are claiming I was not enrolled, when I was ; obviously there is a loan right, that 's proof right there. If you review the case you will see the court ruled in our favor, and I have been sending Navient excerpts from the court proceeding as well as the article about this Ponzi scheme and they still refuse to work with me and remove the loan from my records. It has damaged my credit and they will not work with me and its frustrating. I see all of the lawsuits in the news about Navient, not willing to work with people and forgive the loans ; what can be done to help get this off my records. I would greatly appreciate your feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: TX

Complaint narrative:
I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected. 
Thank you

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