vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITY NATIONAL BANK
State: NV

Complaint narrative:
In XXXX of 2018 we completed an application for an unsecured line of credit for {$100000.00}. By XXXX we had pulled out all {$100000.00} and started making payments on it. While getting payments set up with the bank was much more difficult than it needed to be, we did make all of our payments on time for the last 18 months exactly as billed. After 11 months City National emailed me and notified me that I needed to re-apply for the loan or not only would the line be closed, but the full amount would be due immediately. I provided assets over 2.5x the credit line and income supporting a very low DTI , but that wasn't enough. They continued to harass us only via text and email, never mail ( just kept billing us the same amount due ) so we decided, regardless of the resolution, we never wanted to do business with City National Bank and started aggressively paying it down. Over the following 5 months we reduced the balance by over {$50000.00}. On XX/XX/XXXX I received another text message from a person at the bank stating we owe them the rest of the money by XXXX or they will file it with collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This occurred with NAVIENT. This company is horrible and does not direct its customers properly. I had an old loan, which they failed to handle properly and on top of that, they have charged me ridiculous late fees that other providers have not. 

This company needs to withdraw my late fees ( around 300 ). 

They also failed to tell me about converting my OLD loan which does not qualify for IBR programs, such as forgiveness after 10 years of payment. I would be starting over, and I had opened this account back in 2005. 
This company was horrible in the mismanagement of my loan, and to this day the principle has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have contacted Equifax regarding the fraudulent information that was placed on my credit report as a result of the misuse of my personal information. 
I don't understand what its going to take for Equifax to uphold my rights as a victim. I have filed a police report and the suspect was apprehended and arrested not long after. The suspect actually confessed to opening the fraudulent accounts. I have given all of this information to Equifax and I have included the appropriate documents to prove it. I feel like I'm being victimized allover again by this credit reporting agency. I have attached my ID, my SS card, a copy of the arrest report and my police report. Please help me get the justice that I deserve. Equifax 's investigation process is greatly flawed and it has prevented me from correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. IS very AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I contacted capital one bank the original creditor on this account who stated 1099c was issued 5 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to porfolio on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
challenge financial added {$2000.00} extra to my loan, according to them because i didnt have insurance on the vehicle when i got it but i did i dont find fair for me to be paying insurance on their end and at a different insurance company. for me still owing {$10000.00} when the car was XXXX how is it possible for me to still owe more than half of the car. when i been paying it for over 2 years. it was suppose to be a 36 month term and now they added a whole year to it. im already over paying for the vehicle itself for them to try to take advantage of it. i already had way too many problems with this company, i getting really tired of, if it doesnt get resolved i am ready sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used XXXX through my XXXX  XXXX XXXX account on XX/XX/2018 to purchase hockey tickets, at a cost of {$300.00}, that I never received. I realized within an hour I was scammed. I tried to call XXXX  XXXX XXXX to stop the payment and they told me I had to file a claim. I then called Wells Fargo where the fraudulent account was, to stop acceptance of the payment, and they refused to speak to me since I do not have a Wells Fargo account. XXXX XXXX XXXX reviewed my claim and said I made the transfer, there's nothing they can do. I only used XXXX as it is on the XXXX XXXX XXXX website, so assumed ( wrongly apparently ) it was a safe manner to transfer the money. I am a Premium Platinum Client at XXXX XXXX XXXX I have banked with them for over 35 years and they will do nothing to help me. I recently spoke to a friend who told me he had a similar situation. He banks at Wells Fargo and they reimbursed him the {$250.00} he had transferred to a scammer. So I decided to call XXXX XXXX XXXX and ask them to once again review my claim based on Wells Fargo 's reimbursement and they again refused to help me.

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 2019-09-26 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: Credit Plus Inc
State: SC

Complaint narrative:
There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. 

I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I noticed an increase in unknown calls, private, unavailable calls, calls from numbers I did not recognize starting in XX/XX/XXXX. I started keeping track of the numbers in XX/XX/XXXX and did some research and found two repeated numbers belonging to Convergent outsourcing Inc . They have called me on my home phone number and cellphone. I started to keep a log of the calls received XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I mailed a do not call letter - certified mail return receipt, which they received on XX/XX/19 - but they still kept calling. I called and have talked to them several times and told them to do not call me - but they still keep calling. 
I filed a lawsuit against them for violating the TCPA act and they received it on XX/XX/19 but they still keep calling. They continue to violate the TCPA by continuing to call me on my cellphone without my consent : I am not their debtor, and they have been notified in writing, by phone calls and by a lawsuit to stop calling but they still continue to call. I will be filing a second lawsuit on XX/XX/19 for the continued violations of the TCPA act and FDCPA compliance.

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 2019-09-26 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: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Chase, thanks for your response and co-operation. In your XXXX response, you explained the information of this loan since XX/XX/XXXX. 
However, I have two questions for you. 
Firstly, this loan has been used back in XX/XX/XXXX by this XXXX XXXX XXXX when Chase issued this loan under my name. 
So please provide the information that pertains from XX/XX/XXXX and after that, like how long did it continue, loan originator, HUD 1 settlement etc. 
Secondly, is there any reason for which you are not following FCRA regulation of posting this to the credit bureau?

Your response to these two inquiries will be highly appreciated. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
You didn't give me a choice for what my issue is, its with Care Credit. I got the Care Credit card because I needed to have my XXXX removed and I just didn't have all the money needed. I was told oh Care Credit and as long as you make you payments in the alloted time they won't charge you interest. If you owe them money after the alloted time they will charge you 26 % interest retractive back to when you made the charge. Great I can do this, I made my payments every month, per what the bill said. I look at my statement this last month and I see over {$500.00} in interested added. I called and was told oh you didn't pay enough ( obviously ) but I paid what I was told and was under the impression that if I made my monthly payments this wouldn't happen. She tells me " Oh you needed to let us know if you wanted that evened out '' Seriously. That she would give me 1 more month to come up with over {$800.00} to even this out. If I had {$800.00} I would have paid for my XXXX. I think Care Credit was very deceptive in their practices, I'm thinking okay I'm doing the right thing, I'm making the payments when all along they were rubbing their greedy hands thinking oh she doesn't know she isn't going to have enought at the end of the year. So if anyone reads this be aware that Care Credit isn't the God send they make themselves out to be. DON'T TRUST CARE CREDIT ANY MORE THAN YOU WOULD TRUST XXXX, XXXX XXXX OR ANY OTHER CREDIT CARD. I have been working so hard to get rid of debt, I just paid off 2 credit cards with 26 % interest and now this, anymore here I feel like I'm walking uphill in quicksand.

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 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
I filed bankruptcy and included REAL TIME RESOLUTIONS with that and they keep reporting on XXXX XXXX AND XXXX I've given them ample proof and time and they keep reporting causing my score to go down every time. I've had it with all XXXX of these bureaus. Not to mention they have XXXX  of my mom 's credit cards on my credit and refuse to take them off. Please help me get them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps marking my purchases as fraud even though they were made by me and I keep asking them to disable the feature on my account. This is my fourth or fifth time where they flagged a purchase and made me call in and wait on hold for over 20 mi  utes just to unblock my account for a purchase I made. It has turned into a very serious issue where I feel that I can not reliably use my card when I need to. It shouldnt be this way. I need chase to deactivate their very poorly administered fraud prevention as it is causing me lots of issues when using my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES
State: TX

Complaint narrative:
I received a voicemail that had no information, only said We are trying to contact you please call this number back and reference the case number But they never said my name or the case number. I called the number back and XXXX XXXX answered and said I owed a debt for a XXXX XXXX opened in 2006 and I needed to pay {$4700.00} today or I was getting served. He said they have sent correspondence to an address I havent lived in for years and when I explained that he said, it doesnt matter we still tried to contact you and you never responded. He said he was with Braufman and Associates and they would be showing up to my place of employment to serve me. Again, had the  incorrect employer. I explained that to him and he said I dont care I have your social, I can get your information whenever. I doubted him, but he was very persuasive and threatening. He told me to hang out and the payment department would take my payment information and set up a payment plan. I waited 5 minutes, some guy got on the phone and took my debit card information and hung up. I received a docusign form asking for my debit card information again but no contract, nothing with the law offices information, no payment amounts ... nothing. After I signed I thought it was very fishy. I started XXXX the law office and only found complaints of fraud and scam. I went back to look at the docusign and the email address is a XXXX account. I dont think this is legitimate.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I made a payment of XXXX dollars towards my loan amount of XXXX dollars which was credited to my bank account. On XX/XX/XXXX I look to see if the amount has been processed and moneylion is showing I havent paid anything which is not correct my next payment is XX/XX/XXXX in the amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX I was on XXXX and came across a site selling XXXX XXXX XXXX headphones and decided to purchase a pair on a website address " XXXX '' for {$82.00}. I placed an order this same day and noticed after placing the order something didn't seem right because I didn't receive a confirmation email, a tracking number, or any correspondence so I took a screen shot of the site. I noticed the next day the money was withdrawn out of my bank account but by a different company named XXXX. I went on XXXX and noticed this was not the site I placed the order from and the site was a military site selling military merchandise. I went back on the original site I ordered from " XXXX '' and reached out 2 times to contact the vendor via a link on the site " contact us '' they do not have a phone number to call. I have never received a response from my correspondence and still as of today XX/XX/XXXX I HAVEN'T received the merchandise. I called my banking company to open a claim on XX/XX/XXXX. they credited back {$82.00} to my account temporary while they investigated. I received a letter on XX/XX/XXXX denying my claim because XXXX advised they sent an email to the customer ( me ) to pick up the goods and showed the package was signed for on XX/XX/XXXX. I have asked for proof of an email and proof of a signature that I picked up and I am not getting any response and my bank has taken back my credit of {$82.00} today XX/XX/XXXX. I have re-opened my claim with my bank and was told about your site and you being able to assist.

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 2019-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I lived in XXXX XXXX for 2 years. I left there inXX/XX/2018 when my lease was up. I had {$0.00} balance when I left. I recieved no letters or phone calls from them since I left. I recieved 0 notifications a debt was going into collections. I never recieved anything that said I could dispute a debt. I only found out through my XXXX XXXX account and did research on my own thereafter. I would like to get to the bottom of this and come up with a solution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After 30 days of initial dispute of the disputed XXXX XXXX account # XXXX, asking to validate account, equifax failed to do so and deleted the account, I learned today they reinsterted the account without notifying me, according to FCRA previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement was not practiced. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) only in cases where the deletion occurred as a result of the finding in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a loan with Chase/Amazon Card. I have always made my payments on time. For some reason, I realized that there was late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This has taken place over XXXX to XX/XX/2019. Moneylion touts savings for consumers and free atms. I have always been charged fees. {$2.00} every time I use my atm. They have no bank branches. Customer service always busy. Emails to support 2 never answered. Bank sends account balance errors with wrong amount. I feel they owe me {$120.00} dollars in fees. I want my free atms and refund then I will close this account.what they represented is not true for consumers.

Company response to consumer: Closed with explanation