vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Loan servicer - Navient My loan will go into repayment on XX/XX/XXXX. I have been trying for the past two months ( starting in XX/XX/XXXX ) to get information about setting up Autopay. The four times I have called at different time points in the past two months has yielded different information each time. No one in customer service was able to tell me when I could start setting up Autopay, the timeline given for processing autopay was incorrect. I was also having difficulty setting up autopay as I kept getting kicked out of the website altogether. The customer service representative was unable to direct me to the correct person and I was told twice ( 3 weeks apart ) that I should just try once my deferment was over even though it was a technical issue. 

My Autopay is still in process and it is still not clear exactly what the rules are on being able to set it up. The burden on making sure the issues ( technical ) is on the customer.

The paper format to setup Autopay can take up to 60 days which would mean the customer would miss out on the discount at the beginning through no fault of their own. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I was involved in the Experian data breach and a freeze was placed on my social security number and no one can run my credit. But I have 6 inquiries on my credit report that companies are running my credit without my permission even though it's a freeze on my ss # .I wrote all 3 credit bureaus explain to them that I didn't give anyone the authorization to run my credit and please remove the inquiries. The last time I ran my credit is XX/XX/2016 to purchase a car.Since then I have not ran my credit. I can not get all 3 credit bureaus to remove the inquiries. They told me to contact the companies who ran my credit and I did.Nothing was done inquiries are still there.

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 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.

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 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I lived there XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX and moved back in 2015 due to a roach infestation. They refused to fix the problem and I moved out a month and a half early with my kids. I was paying {$600.00} to {$700.00} per month. When I moved out they sent me bill for {$3100.00}. I couldn't believe they came up with this number. They transferred the debt to Professional Debt Mediators XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX The interest and prices that they hit you with is wrong. I had a month and a half of rent to pay and I was willing to pay that but they charged me over {$3000.00}.

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 2018-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
I used to buy on a monthly basis cryptocurrencies on Coinbase.  Everything went fine for months but suddenly the started in XX/XX/XXXX to account some extra fee to my XXXX card bill which they described afterwards in our mail communication as " cash advance fee ''. 
So I started writing back and forth to Coinbase and my bank. But one day as they usally like to do so on other topics too the communication with Coinbase stopped. 
My last knowledge about this situation is, that my bank and XXXX says that Coinbase is responsible for accounting that " cash advance fee '' while Coinbase says it is not.

So my last question to Coinbase was : " So when you know that this fee is accounted, why don't you comminicate it to your customers? I got a bill of my purchase. There's already a credit card fee included. But the cash advance fee isn't listed anywhere. '' Coinbase never answered this and because I'm still in contact with my bank and XXXX I'm inclined to the view that they are right and Coinbase is trying to not face the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my wife sent me {$350.00} through XXXX from her XXXX XXXX account. Usually I get it a few seconds later but in this occasion nothing. The money came out of her account and the status shows sent. I wait a couple of hours and wrote to USAA and was told systems were down and it would post that day. Couple of hours later I see the payment is added the reversed out of my account. I speak to USAA again and told that they did not send the money back, it was pulled by XXXX and have my wife contact her bank. XXXX XXXX   confirms that the money was sent and received by USAA ; they did not pull back the money. I contacted USAA again and was first told that they cant do anything and they cant see the reason why it was reversed and it was probably an error or pulled from XXXX XXXX but then I told them her bank confirmed they did not reverse it, the USAA rep gave me another excuse saying they are experiencing system issues. That is how I know they are lying and now I dont have my {$350.00} in my account and it definitely isnt in my wifes. This is called stealing because it just disappeared. No notification or supposed knowledge from my bank on its whereabouts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The account was paid in full on XX/XX/XXXX however the account status with XXXX is still incorrectly shows charge-off. I have disputed this twice, the most recent updated on XX/XX/XXXX, and only the remarks have been updated to show account paid for less than full balance, paid charge off. I would like for XXXX to delete this misinformation from credit report or update it paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$31000.00} Comments - Payment History 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been having a issue with my mortage company since XX/XX/XXXX. I was out of work due to a illness in my family i took a loa was out a week. During the XXXX of the year my job cuts hours. So in XX/XX/XXXX i applied for a loan modification. I sent in all documents needed. At this time they would not accept any payments from me they would return them They have constantly asked for paystubs i would fax those in within time frame. In XX/XX/XXXX my relationship manager calls me telling me there is a deprecrency in my paystubs they needed more paystubs so i faxed in more. 1st it was {$16.00} then it jumped to {$60.00}. Time and time again i faxed in what they requested. Everytime i called spoke to someone different with different answers. As of today XX/XX/XXXX. My loan modification has still not been approved nor denied..but they will not accept any payments on my account. Now i am over {$6000.00} behind on payments because these people cant get their act together ... i am the one losing out i am losing my home i am losing 9 years of payments all because they can not add cant see i get paid biweekly not weekly. Very disturbing how a large company like this can get away with such a horrible act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address PO BOX XXXX, XXXX XXXX, XXXX  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this account was never delinquent this's my school loan please removed all late from this account please DEPT OF ED/XXXX  Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00}  Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was credit with a back payment with a false transaction the was already credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was contacted on or about XX/XX/2018, by XXXX XXXX XXXX XXXX, for a debt with XXXX stores. I paid it immediately with them. I asked how I am turned to collection, when I never received a mailed bill, e mailed bill or call from XXXX. The agent from XXXX XXXX noted, for some reason, there was a block on my account, which may explain lack of billing I am very conscious of my credit rating, and am never late with a payment. This has trashed my credit from XXXX down to XXXX. I was looking to apply for a mortgage, and now can not, due to this. I have e mailed XXXX but gotten no reply. I can not call, because when i do, it goes direct to " contact XXXX XXXX regarding your account '' I feel sending me to collection, over a bill I did not get, is a violation. 
I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I cancelled car insurance with XXXX in XX/XX/XXXX. I obtained coverage with XXXX. XXXX continued to bill me through XX/XX/XXXX and cancelled non pay. The debt was sent to XXXX XXXX XXXX Opened XX/XX/XXXX - {$140.00} Original creditor : XXXX XXXX XXXX After applying for a mortgage and being denied I contacted both XXXX and XXXX XXXX I sent a copy of my XXXX documents since XX/XX/XXXX and disputed it with TransUnion they have denied my dispute as a valid charge even thoug XXXX day the it is a XXXX balance due to having coverage with XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE :  XXXX Policy Number XXXX issued by XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for speaking with me. This letter is intended to confirm our conversation on XX/XX/XXXX regarding the status of the billing adjustment on your cancelled auto policy after receiving proof of other coverage effective XX/XX/XXXX. As we discussed, we now have on record that the account is closed with an ISO balance of {$0.00}. With this information, I will send another notification to our collections department to inform them of this. If we may be of further assistance, please do not hesitate to contact us Sincerely, XXXX XXXX XXXX XXXX Gold CSR XXXX cc : 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 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: KS

Complaint narrative:
On XX/XX/XXXX a hard inquiry was put on my credit report from Charles Schwab. I reached out to Charles Schwab fraud department and they said 7 checking accounts were open in my name and have been closed. The fraud representative from Charles Schwab said that the hard inquiry will be removed off my credit report in seven days. On XX/XX/XXXX the hard inquiry remain on my credit report. I reached out to Charles Schwab fraud department and they informed me that the accounts were still open.

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 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft Report # 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 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation I have no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.

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