vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I went through the loan process at the end of XXXX. Though, when I saw the 324 % interest rate. I immediately exited out of the page because I didnt want to pay that kind of interest. Though on the XXXX or XXXX of XXXX. I saw the money was in my account. I immediately tried to contact them but no one picked up due to the holiday. I attempted to call again the next day and told them it was a mix up I did not want the money to please take the loan back. The person on the phone agreed and debited the amount out of my account. Though I saw yesterday XX/XX/XXXX that I saw still charged interest by cashner usa despite having told them I did not want the loan and to dedit it back out of my account. Which the did earlier this month. I called again and asked them why and they responded that they were not going to waive the interest charge on a loan I never used. So I decided to file this complaint. Especially because companies charging predatory interest rates like that with these kind of business practices should not exist. My bank account is unable to screenshot the deposit amount of {$240.00} on XX/XX/XXXX. And that the amount was returned XX/XX/XXXX. Yet I was still charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I originally purchased a vintage cd rom reader from an XXXX user named " XXXX XXXX '' or " XXXX '' for {$180.00}. The merchant had a return policy window during which the buyer could pay to return it for a refund. The item did not read cds properly. I received error messages, so I contacted the merchant who told me to return it for a refund. I paid to return it, but the merchant refused to refund me. The item was sent XX/XX/XXXX and delivered XX/XX/XXXX. The ups tracking number was XXXX. Then I contacted the credit card company American Express to initiate a dispute. I told them that the item had been returned to the merchant, but I did not receive my refund. The dispute was received on XX/XX/XXXX. They closed the dispute in the merchant 's favor and claimed the item was " damaged. '' I reopened the dispute and told them the item was not damaged when I sent it, and I returned it in the same manner I received it. The item already didn't work properly which was why I returned it. My reopened dispute was received on XX/XX/XXXX. Apparently this dispute was also closed, but I received zero notice of this. I happened to notice it was closed when I checked my disputes today on XX/XX/XXXX. When I called American Express they told me they had again closed the dispute in the merchant 's favor because of " damage. '' Again, I told them that I had no knowledge of how this may have happened if it indeed did happen. I explained that I shouldn't be paying for an item that is not in my possession and that has been returned with proof of delivery. They decided to again reopen the dispute today on XX/XX/XXXX mostly on information I had already provided previously. I currently await a resolution to this matter with no exact date, but I find it troubling that American Express is trying to hold me liable for a returned product that was defective. It is also very disturbing that they are deliberately siding with the merchant and their claims of " damage '' over myself, the customer, who already told them it was not damaged. By this logic American Express will take the side of any merchant against the customer for any return based on whatever claim made by the merchant. I shouldn't be forced to pay {$180.00} for a product I do not have in my possession, and I am hoping they will eventually realize this. If not then I'm hoping this letter I'm writing the Consumer Financial Protection Bureau will prevent this unlawful action of American Express. The uploaded documents include XXXX proof of delivery XXXX picture of product with price XXXX picture of return policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in  XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ).

On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. 

I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from.

I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened.

I have not received information or any update regarding my Income Driven Repayment application status. 

If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. 

As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX   ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. 
-- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate.

2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.

3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance.

4. Do not put any loans into paid ahead status or advance my payment due date.

Retain these instructions. Please apply these instructions to all future overpayments.

-- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX District Court of Missouri can be found by following this link : XXXX XXXX XXXXXXXX. When I filed a civil complaint with the XXXX District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX  via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of XXXX  XXXX XXXX. I created a checking account with XXXX  XXXX XXXX in the summer of XXXX. I was also a customer of Wells Fargo. I created an account with Wells Fargo in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).

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 2020-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX   District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX  District Court of Missouri can be found by following this link : XXXX XXXX XXXX. When I filed a civil complaint with the XXXX  District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of Bank of America. I created a checking account with Bank of America in the summer of XXXX. I was also a customer of XXXX XXXX. I created an account with XXXX XXXX in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).

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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I am writing because of a problem I am having with a credit repair company Lexington law, which I hired last year to work on my credit issues. The company took my money for a year and showed nothing by way of results or even activity. When I called them to inquire as to what they were doing they would tell me that they were working on it and would only call me when they wanted money from me and to continue to sell their progress on my behalf. During the time I was under work contract with them nothing ever changed that I didn't initiate myself. And when they tried to take credit for changes in my file that I did as a result of on time payments or other small disputes for accuracy they actually tried to tell me this was the result of their efforts on my behalf and I would correct them and tell them it was not.

In the time that I was with them nothing ever changed, I was never contacted by a credit reporting company or a collector to negotiate or settle an account. Lexington Law took my money and fed me  lies in order to continue billing me. By my estimation they deducted close to {$1300.00} dollars and change from my bank and never did anything. They charged me for a months work in advance when I canceled. I am disgusted with this process and nothing was ever done. No results at all. I would like my money back from this company because they took advantage of me. I am asking this agency to help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As of today 's date XX/XX/2020, I just paid directly to Equifax to obtain a copy of my credit report. they informed me that they removed the inquiries in question but in the current report I just obtained they are all still listed. Also, I faxed a letter over to them at a number Equifax supplied to remove a 10 year Chapter XXXX bankruptcy from my credit report to which I have a letter from their sister company XXXX XXXX stating they have removed the bankruptcy from their ( XXXX XXXX ) database. I have attached all the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed an inquiry from XXXX XXXX on Equifax report. I contacted Equifax and informed them that an inquiry was made without knowledge and authorization and I did not do it nor did I approve of it therefore it must be a fraudulent inquiry. They told me to contact XXXX and inform them about the matter. After contacting XXXX 's they told me there is nothing they can do if no account was opened. I then contacted Equifax back to have it removed but they refuse to remove it telling me it's a factual inquiry. I want this fraudulent unauthorised inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I sent Transunion a dispute challenge letter. However, TransUnion has not responded to my request a violation. 

I'm my challenge letter I asked Transunion to send me methods of verification for the following account. 
The company has not responded, a violation XXXX XXXX XXXX : XXXX ; inaccurate account ; a violation In my dispute letter I asked Transunion to send me proof of last payment. ( please see attachment for credit summary snapshot ) The company has not responded.

In the credit summary you will see that this account was last updated by TransUnion XX/XX/XXXX but still reports multiple inaccuracies, a violation. 

Notice multiple discrepancies in reporting from TransUnion and XXXX  : TransUnion reports that this account was updated in XXXX of XXXX, while the same account is reported by XXXX  with the last date updated XXXX of XXXX, a violation. 


TransUnion currently reports last payment received was it XX/XX/XXXX. But XXXX  reports last payment received in XXXX of XXXX. A violation My bank account reports that this account was last paid XXXX of XXXX. Where is XXXX  and TransUnion getting this inaccurate inconsistent information from??

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 2020-02-01 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Contacted Navient requesting a Final Loan Disclosure or Regulation Z Disclosure Though email and phone with no response to request Request confirmation XXXX email Sunday XXXX no response XXXX phone- XXXX XXXX no information/response put in inbox with in 24 hours as stated by customer service XXXX email- XX/XX/XXXX - email request- no response XXXX XX/XX/XXXX - just requested information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: NC

Complaint narrative:
Fed loan service has me at a CLOSED status and a {$0.00} dollar balance and I ask them to remove the account because the remarks and late are effecting my score negatively. I am in the process of trying to buy a home and cant do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This is a XXXX account that i have no knowledge of. Diversified consultant now has this account i have sent letters via certified mail to formally dispute claim and ask for validation that is competent evidence bearing my signature showing that i have or ever had some contractual obligation to sprint which was signed for on XX/XX/19 and a second letter sign for on XX/XX/19 by diversified consultant. As a result this debt is listed on my credit report 's

Company response to consumer: Closed with explanation