vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loan servicer is Navient. I have inquired with them on two occasions about the possibility of lowering my interest rate ( it 's 8 % ) or lowering my payments/canceling my loans. I have been consistently paying $ XXXX/month and getting now where. I still have $ XXXX in outstanding debt. Due to my divorce, I have come into a lump sum of money that I would like to use to pay off my debt, but it 's only about 75 % of what I owe. Navient will not discuss terms, options or anything else of the sort. The customer service reps will not elevate my calls to management to see if we can discuss further or find options/solutions. They are a total roadblock. I 'm XXXX yrs old and do n't want to be XXXX still paying off loans, which is what it will be if I ca n't get a resolution or change in plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase changed the credit limit on the account ending in XXXX in XXXX XXXX after stating that this account ending in XXXX should have been deleted from my credit file during an investigation by the OCC in XX/XX/XXXX. Yet, this account, which is my original Chase account opened in XX/XX/XXXX is still being reported as open and active as it should be, but was hidden from me until XXXX XXXX when I called Chase as to why they reported XXXX accounts when I only had XXXX, Chase admitted they had mirrored my original account ending in XXXX and would send me a letter and an apology. Instead Chase told OCC they deleted the call and did not send that letter, but instead sent a letter dated XXXX XXXX, XXXX stating that the XXXX account was still reflecting on my credit file and they were requesting it to be deleted. Afterwords I monitored my Chase credit accounts very closely through XXXX. I was surprised that Chase had changed the credit limit on the account they requested to be deleted. I filed another complaint with cfpb and the result shows on my current XXXX credit report that Chase is reporting this account open and active. Chase did not report to XXXX and XXXX my account ending in XXXX in my credit report all these years. XXXX and XXXX have incomplete information with my Chase credit account history for account ending in XXXX. Chase mirrored my XXXX account in year XXXX, hid it in my credit report without issuing me a credit card ending in XXXX and saying that it was upgraded and did n't exist. But, this account does exist as Chase is still reporting it open and active in my XXXX XXXX, XXXX credit report. I paid Chase XXXX payments {$7500.00} XXXX because I did not want my credit to be ruined because of Chase 's error. .I am attaching the letter from Chase dated XXXX XXXX, XXXX credit report dated XXXX XXXX, XXXX credit report dated XXXX XXXX, and XXXX credit report dated XXXX XXXX. I would like my credit report to reflect my credit history which I have worked very hard to keep in good faith and good standing. Chase needs to explain why they changed the credit limit on the XXXX account AFTER they requested it to be deleted from XXXX as stated in their letter.. Chase needs to explain why they did not report my credit card ending in XXXX to XXXX and XXXX, alll these years especially since they are reporting it active and open since XXXX with a long good standing history to XXXX. Chase needs to explain why they accepted all the payments I made to them on an account that was mirrored from my original XXXX account and not a real balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
In early XX/XX/XXXX I received a letter from Holloway Credit stating they were about to report a debt of {$3300.00} on my credit for an outstanding medical bill that I had for XXXX ( a medical facility ) from XX/XX/XXXX. This amount included an illegal collection fee for {$820.00}. As I remember it, I became afraid because they said I had 10 days to pay the full amount. So, I submitted a payment for {$3300.00} via my XXXX. Days later I discovered that I had not signed any contracts with the original merchant stating that I would pay a collection fee. As a result, I contacted Holloway Credit Solutions and informed them of this illegal collection activity, and on XX/XX/XXXX, Holloway Credit Solutions credited {$820.00} back to my account. Upon recent further review of my account transactions, my attorney determined that there was NO CONTRACT WITH HOLLOWAY CREDIT SOLUTION OR ANY OTHER THIRD PARTY to pay this debt, so therefore, I am due a refund for the remainder {$2400.00} that I paid to Holloway Credit Solutions for the money they illegally collected with no contract, and while I was under duress of the threat of having this reported on my credit back in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, XXXX XXXX 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 monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off.   I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months.  When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved.  I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments.  In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor.  I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to release my cosigner from liability for my private student loan. Wells Fargo EFS has but excessive, unnecessary, and unusual steps in the way of doing so. Specifically, it requires that the cosigner himself sign a form that is mailed by Wells Fargo directly to the cosginer asking him to release himself from liability. 
Wells Fargo insists that this is necessary because they can not release him without his permission. This makes no sense ; there is no reason that any person would have a desire to remain a cosigner on a loan if it is not required. Other companies do not do this ; XXXX released my cosigner only after my submission of a form and demonstration of myself as being a good borrower. 
In my opinion, Wells Fargo is putting this unnecessary barrier up in order specifically to prevent borrowers from getting cosigners released.

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 2016-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, 2008 I bought from XXXX XXXX XXXX, XXXX XXXX silver dollar, graded XXXX for XXXX. 
This quality coin is worth about {$370000.00}. 
This seller, XXXX XXXX from Florida promised me, that this coin is not " enhanced '' ( cleaned, polished, dipped, heated etc ) any way and is really graded XXXX, graded by a numismatic company. 
I asked him for guarantee 30 days money back if this coin will be over-graded. He has agreed. 
On XXXX/XXXX/2008 I sent him wire transfer from my Wells Fargo account for {$3200.00}. 
After few days I received this coin and unfortunately, its quality has high over-graded. Regarding the quality I asked for opinion professional coin dealer, and he said the same. Additionally this coin was cleaned and polished and the value was as scrap, about {$8.00}. 

The same day, on XXXX/XXXX/2008 I have sent complaint to XXXX XXXX XXXX and demanded from him immediately money back, but he did not answered by e-mal and phone. On XXXX/XXXX/2008 this coin was send him back, USPS confirmation # : XXXX XXXX XXXX XXXX XXXX, but my money no refund. 
After few days I failed a claim in Wells Fargo bank ( claim # : XXXX ) regarding this cheating. I asked a banker for help, to withdrawal my money from XXXX XXXX XXXX, however, they refuse to help me and closed this case. 
A women from Wells Fargo bank called me and said, that they will not processed this claim because this person may be dead or fled abroad and is in other country now. 
I was very badly discriminated in Wells Fargo bank and I lost there many money. They told me that I can have only XXXX claims each year and no more. If I will have more complaints, then they will close my account. I knew that a lie, but nothing I could do. 

I was deceived by many cheaters online, and the bank refused me defrauded more than XXXX transactions. 

For this transaction I pledged my jewelry collection in XXXX. My jewelry, more than XXXX pieces of gold with precious stones ( diamonds, rubies, sapphires, emeralds and more ) was worth more than {$250000.00}, but Pawn shop in XXXX offered me only {$3400.00}, this because they counted my gold as scrap and gemstones and synthetic, because stones had no certificates from their professional jeweler. 

I agreed, because I do not expect that this man deceive me and I be able to pick up my jewelry. Unfortunately, I lost all money, the scammer did not refund my money, the bank discriminated me and I lost all my jewelry worth more than {$250000.00}. I have proof from Pawn shop and pictures of the jewelry. I told the banker that I will loos all my jewelry if they will not help me. But she said as above. 
After this incident I decided to closed my account in this bad bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - **************** ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.

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 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. 
Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am supplying you with all the documents they asked me for yet would n't accept.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Earlier this year, I had my tax information stolen along with all my personal information such as social security and present/past addresses ( our company was hacked, XXXX employees did not get taxes back ), and while checking my Experian credit report, I had hard inquiries a week apart and negative marks on my account. These are not mine and it is fraud. My credit score has now dropped and I am trying to buy a home in the next few months. I have ran into a couple issues because of this tax invasion and fraud. I have never had a late payment and have always had great credit. 

Thank you for understanding, this has been nothing, but a nightmare this year. 

*example of hard inquiries* XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD 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 non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: AK

Complaint narrative:
The system to determine income based repayment eligibility at FedLoan Servicing is not compliant with the law, and the company is aware that their system is non compliant. Their system 's default behavior is to ignore spouse debt load while reporting to the customer otherwise. The result is that borrowers are required to pay more than they are required by law. They are willfully using a system that does not comply with the law and then lying about it to customers. 

I was enrolled in the Income Based Repayment program ( IBR ) using FedLoan Servicing. During my annual renewal in early XX/XX/2016, I was erroneously and repeatedly told that I no longer qualified. Using the online calculator that FedLoan linked, it was clear that FedLoan did not use my spouse 's federal student loan debt load to calculate my eligibility. I contacted them on XX/XX/2016, XX/XX/2016, and XX/XX/2016 to notify them of their error. Referencing the mathematical formula to determine eligibility, I included the line-by-line algebra to clearly demonstrate that I was eligible. On XX/XX/2016, I was reinstated with no explanation of their error. I have archived all of my written communication with them. 

I am seeking an explanation for the initial error, an explanation for the company 's refusal to admit the error, and transparency and assurance that the error will not happen again. I am seeking a direct contact to handle my annual recertification in the future.

Company response to consumer: Closed with explanation