vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was a victim of identity theft from the XXXX breach while I was employed by the FBI. I have submitted my FTC Identity theft affidavit, letter from XXXX verifying what personal information was compromised, proof of my identity and a copy of statute 605B to Synchrony Bank, XXXX XXXX, XXXX and all three credit bureaus. Four fraudulent accounts owned by Synchrony Bank ( XXXX, XXXX, XXXX XXXX and Care Credit ) showed up on my credit reports as collection accounts. Synchrony Bank charged off/sold all of these accounts to XXXX XXXX. I sent the attached letters asking for verification of this debt to include a contract bearing my signature to Synchrony and XXXX and I either received nothing or I was sent a billing statement with an address that I have never lived. I submitted documents regarding my identity theft to the credit bureaus and to XXXX XXXX since they now owned the debt. XXXX XXXX immediately deleted the accounts from all credit reports but Synchrony Bank ( who no longer owns this debt ) is refusing to delete the charge offs from my credit and is continuing to claim that the debt is verified and my identity theft investigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
FOR THE RECORD, I HAVE DOCUMENTS TO BACK UP ALL OF THIS INFORMATION! 

I opened a brand new checking account with Chase on XX/XX/2018 at XXXX XXXX. I chose Chase for two reasons ; One, I didn't have a checking account anywhere else and I needed somewhere to direct deposit my paychecks into. Two, I repeatedly got these incentive postcards from Chase that there was a {$300.00} bonus when you opened a BRAND NEW CHECKING ACCOUNT and WHEN YOU SET UP DIRECT DEPOSIT WITHIN TEN BUSINESS DAYS. Check and Check. I set up direct deposit with my employer the following Tuesday after opening this account, XX/XX/2018. Fast forward to why I'm complaining and its because I contacted customer service inquiring about when I would have the {$300.00} bonus deposited into my account. I contacted them XX/XX/2018 @ XXXX XXXX. It wasn't until my surprise that this customer service rep informed me, and I quote, " your account has been placed under review, We recommend that you contact our Security Team at XXXX for immediate help. '' XXXX, thanks for the heads up. 

Why wasn't I informed of this until I was the one inquiring about funds that I was owed? And then today XX/XX/2018 I get a notice in the mail from Chase stating, and i Quote, " After careful consideration, we have determined that we can no longer support your banking account and will be closing it on XX/XX/2018. '' Chase closed my account WITH ZERO NOTICE.

This notice was dated XX/XX/2018 giving time sensitive specific actions that I would need to make in order to make sure I dont lose any of my money. However, I didnt receive this in the mail until today, 10 TEN DAYS after the notice was typed up. Which btw is waaaaay past the cutoff date they gave me to square my funds away. Im filing a complaint with CFPB. 

I guarantee its cuz they wan na avoid paying the {$300.00}. 

Also, is this not a coincidence that the EXACT DATE I IN FACT SET UP MY DIRECT DEPOSIT XX/XX/2018 WAS THE EXACT DATE THIS NOTICE WAS TYPED ON! 

{$300.00} is a HUUUUUUUUUUUUUUUUGE deal for me and my family. I'm a mother of two, barely scraping by so I factored this AGREED UPON {$300.00} bonus into my budget. I'll spare you the details, but now that my account is closed ( for no good reason ) i.e, Chase wants to escape from holding up their end of the deal, my family is now in a very bad situation. 

Please, please, check your conscience the next time you pull a fast one on  easy prey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I paid on XX/XX/XXXX my American Express credit card bill and enclosed a letter saying to please close my account. I did not want to pay the {$190.00} renewal fee. A month later I received a bill for {$190.00} plus interest. I called American Express and cancelled the card. A month later I received a bill for {$190.00} plus late fees and interest. I called again and was told I can only cancel by telephone, not in writing. No correspondence in writing allowed! It was to late to wave the fees when I called since it was late. I asked why I owed money on a card I do not own. 
They said over/over they can do nothing. 
Since then, my credit score has been dinged for non payment and I owe over {$260.00}. 
American Express on XX/XX/XXXX sent me a letter! I was being told my card would be suspended. What card?? 
I called XX/XX/XXXX and talked " the very highest Supervisor ''. I offered to pay the {$190.00} and wave the fees. I still do not know why I owe at all. I have no card. Again since I have no card, sorry. I will be turned over to collection

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC
State: MD

Complaint narrative:
I received a voicemail on XX/XX/2018 in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from Critical Resolution Mediation. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. Critical Resolution Mediation is supposedly located in XXXX, GA, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX North Carolina   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/18 I received a voicemail from XXXX in XXXX, TX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TX

Complaint narrative:
i've tried numerous times with navient to pay student loans. I have been unemployed a few times over the years, and when I have made minimal money, Navient has claimed they would help me as a pay as I go or Repaye, however, because my wife and I file jointly, we " make '' enough money to be able to pay the rates, however when they say {$500.00} per month, that is absurd and nearly impossible with a house payment, car payments, living expenses, card payments and to take care of two daughters, one which has special needs, and the other is an infant. When I have said I can not pay it, they have put it on deferment or forbearance, however I apparently have used all the time for both options, so I have no alternatives but to pay minimal {$100.00} every other month or so until I have a steady source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TX

Complaint narrative:
I have paid Navient since they were Sallie Mae and it seems like my balance has gotten higher. Im a single mom with two kids and a widow. I just dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I contacted Navient after I was unexpectedly laid off to discuss the options for my private loan. I had called my other lenders and they told me that they can defer payments until I am employed again. Talked to Navient and they informed me that I have no deferment left and there was nothing they could do. They even tried to take me through a budge of expenses and then confirmed that I am negative each month with the expenses I have. I have tried to get the lender to work with me in my temp situation and they decided to tell me that I was stuck paying the loans. So each month when I have any money left i pay them way below minimum as that is all I can do. I am now getting harassing collection calls, emails, and voicemails. So i call them back to talk to them and they tell me the same things that I am stuck. I really wish they did not help me use the deferment/forbearance during the years of me calling in for help to lower my payment, instead they told me to use the forbearance and defer payments instead of helping fit the payment into the budget that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was a victim of identity theft due to the OPM breach while I was employed by the FBI. An account with XXXX was opened fraudulently and they sold this account to XXXX XXXX who placed this in collections on my credit report. I have sent my FTC identity theft affidavit, letter from OPM verifying what information was compromised, proof of my identity bearing my signature and a copy of the 605B statute to XXXX, XXXX and all three credit bureaus. I requested that XXXX provide me with proof that I have a contract bearing my signature that I owe them this debt on two occasions in writing. They have failed to provide me with anything bearing my signature. They sent me a statement/bill bearing an address that I have never lived. When they sold this debt to XXXX, I sent the identity theft documentation to all three credit bureaus and to XXXX directly. In a timely manner, XXXX immediately deleted the account from my reports as a collection. However, XXXX refuses to delete this charge off from my credit reports and is claiming this debt is valid despite having no proof of contract with my signature and despite the fact that they sold this debt to XXXX and no longer own this debt. They have claimed that my identity theft is invalid despite the documentation I have provided to them and that payments were made on this account but have provided no proof of any payment bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Ceannate
State: LA

Complaint narrative:
I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a voicemail on XX/XX/XXXX in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from XXXX  XXXX XXXX. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. XXXX XXXX XXXX  is supposedly located in XXXX, XXXX, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX XXXX XXXX   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/XXXX I received a voicemail from XXXX in XXXX, XXXX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, Recently My wife I have been the subject of fraudulent charges and checks on our Chase Checking and Savings Account. 

The claim in particular I would like to settle and request further action is in regards to an {$1800.00} XXXX Transcation that was done with a stolen Debit Card. Chase issued a credit to our accounts, transferred this credit to our new accounts with the  provided information and inclination that all fraud inquiries were done in order to transfer money out of frozen accounts to bad accounts. Then, they reverse their credit decision and take back {$1800.00} from our accounts. 

On XX/XX/XXXX someone used my debit card to make an {$1800.00} XXXX Purchase. 

This was reported as Fraud to XXXX on XX/XX/XXXX A claim and inquiry was taken and issued on XX/XX/XXXX for the transaction. 

A temporary credit was placed in our Frozen Checking Account on this date as well XX/XX/XXXX. 

Both our checking account and savings account were frozen by Chase, and all funds in those account were frozen as well on XX/XX/XXXX. 

As a result, my wife and I opened up two new accounts with XXXX on XX/XX/XXXX with  borrowed money from family. 

The freezing of the Accounts Continued until XX/XX/XXXX. 

On XX/XX/XXXX, the credit of {$1800.00}, along with {$70.00} remaining from our old now closed accounts was transferred to our new accounts. 

On XX/XX/XXXX, we received word that Chase has concluded their research and has found that the claim is invalid, and that the {$1800.00} XXXX charge will stand On XX/XX/XXXX, XXXX reverses {$1800.00} credit and removes it from our Checking Account. 

At the moment, I am going back and forth with Chase to provide their research findings. 

I am beyond upset that the bank not only reversed their action, but took back the claim credit. 

On XX/XX/XXXX Chase stated that our old accounts would be closed and available funds would be transferred to our new Accounts as soon as all Fraudulent Activity Claims were researched and Finalized. On XX/XX/XXXX we receive funds from our closed accounts, including the {$1800.00} from the XXXX Transaction. Chase reversed their claim, and took back the credit they gave us for this Fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a Citibank credit card a few months ago. 

I received a shady looking envelope from Citi a few months after I opened the card, asking for personal information, such as name, age, address, and a physical copy of my Social Security card, to be sent to the bank through the mail. I called Citi, and they said they needed this information to process my application, even though I had the card already and had been using it for several weeks. 

Even though it seemed suspicious I did as they asked. 

A few weeks later, I received the same envelope, asking for the same information, and I discovered my card had been locked. I was told that they needed the information, even though I had already sent it, and was offered no other way to resolve it. 

I eventually hung up, and called a local citi branch, where I was informed this is not standard practice. They transferred me to a fraud rep, who said that all that was needed was a simple text to my phone to verify who I was, and that they never should have asked for my Social Security card to be mailed.

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