vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
5 ( or more ) years ago I worked with Navient to not only obtain an affordable Student Loan payment but also put my Federal Loans under the Public Service Loan Forgiveness program. I've been under the impression since that time that I was working towards the PSLF. I have worked for a non-profit organization for 13 years now. I have continued to make on time payments. I contacted Navient this morning to inquire about how many payments I had left to obtain the forgiveness. I was informed at this time that I am not in the PSLF and that I do not have the correct loan type to be in the program. Navient deceived me into believing that I was signing up for this program when in fact I didn't even qualify at that time. They did not inform me that I would need to re-consolidate my Federal Loans into XXXX XXXX nor did they tell me this was even option. I have now been told that I will need to continue to pay at my current Income Based Repayment level for another 20 years ( making the full life of my loan 33 years ) OR re-consolidate and restart the clock on my 120 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust fraud case # XXXX My card number was stolen and the perpetrator used my card on three separate occasions in California . I filed claims on each transaction and the first two were honored. Although our son has used XXXX, he did not on the day of this charge. However, SunTrust denied the claim. 

I do not understand the rationale behind the decision when it is obvious this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates
State: MD

Complaint narrative:
I filed a dispute via the credit reporting agency asking to receive a detailed account of my medical bill from XXXX XXXX. I received 2 bills from XXXX XXXX just after I was treated which outlined in detail the services I received. I paid those promptly. Months later, I received the {$850.00} bill from the collection agency. I disputed asking for a detailed, line item receipt of the services I was being charged for as I feel is my right, but was never provided that information. Yes, I did contact the hospital for that information, no information was forwarded to me, nor could they tell me exactly what this charge is for. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/19 I received 2 emails from PayPal stating there were transactions on my account to a person named : XXXX XXXX email : XXXX. Two transactions for XXXX and XXXX CAD. I called and filed a dispute on the transactions to cancel them and stop them from going through. Within 8 hours I received emails from PayPal stating that the claims were denied as they found the transactions to be " not unauthorized '' allowing the transactions to continue, making me have to file fraudulent charges on the transactions with my bank. I also received an email from PayPal while I was making the complaints on the transactions that there seemed to be suspicious activity on my account. Yet the transactions were still allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My XXXX account is set up on ACH payment. XXXX charged my checking account {$140.00} on XX/XX/19. My regular bill is {$71.00} on the XXXX each month. I contacted XXXX on XX/XX/19 to dispute this charge, which was double my regular bill. I recently moved and transferred my service to a new address. The XXXX employee I spoke with explained that ACH doesn't carry over for a transfer and they have to reestablish the ACH from the transfer. I told him that this was not explained when I transferred my service, and that even if it had, I would not have authorized XXXX to pull my XX/XX/19 and the XX/XX/19 bill together. The XX/XX/19 bill is not due for 3 weeks. I asked that they refund this portion of the bill. The employee was non-committal and told me he could escalate to a back office support team, but indicated it would be a number of business days before I heard anything. I asked to speak to a supervisor. The supervisor was also non-committal and advised he would escalate the matter to back office support who has ultimate approval on this, that he had no authorization to put the money back in my account. He said there was no way to transfer me to speak with the back office team directly either, or anyone who had authority to resolve this matter. At best, he advised that IF the refund was authorized, it would be sent via check and take up to 5 business days for authorization. I told him that the timeline, the lack of urgency, and the non-commitment from XXXX were all not acceptable to me as this was an ACH that was not authorized. He indicated I could seek resolution via my bank as well, and I advised I would do that. I attempted to dispute the transaction with my bank ( Simple Bank ), but received a message that disputing the transaction was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I'm applying for a mortgage loan. When the mortgage company pulled my credit, Citi Bank CBNA is reporting to XXXX  ( only ) that I applied for a Bank Credit Card on XX/XX/2019. Please note, they are not reporting an open credit account, only that I applied for credit with them I have never applied for credit with Citi Bank or Citi Cards. My mortgage company is asking me to explain any recent credit inquiries on my credit bureau and since I did not apply for this credit, I can not explain it. I contacted XXXX  on XX/XX/19 to dispute this credit inquiry. XXXX  advised that I must contact Citi Bank and dispute it directly with Citi Bank to have the inquiry removed from my credit report. On XX/XX/19 and XXXX ET ; I called Citi Bank. Citi Bank told me I have no past or present accounts with them, which I'm aware of. Citi Bank 's fraud department said I have to dispute this inquiry with XXXX. I explained to Citi Bank that I already spoke to XXXX  and they stated I must dispute this with Citi Bank and Citi Bank will need to remove the credit inquiry from my credit report. The Citi Bank agents seem unsure of what to do and are not getting appropriate responses from their fraud department. I feel the agents I've spoken to at Citi are unable to resolve my issue due to their lack of training with this type of complaint.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
Co-signed XXXX XXXX lease for my son with Gm Financial in XX/XX/XXXX.Total amount of lease totalled {$10.00}, XXXX. It is a 3 year lease. Credit Monitoring company had notified me by email on XXXX XXXX that my credit report drastically change, therefore lowering my credit score. As I looked into, I notice my balance on the car lease went from the original {$10000.00} to a staggering {$19000.00}. Now, let me explain first off that I paid almost the entire lease payments early- minus one last payment as you can not pay off the entire lease early without penalities so I left one last payment. My credit reports for the month of XXXX, and XXXX report only the lease payment balance. I mailed in a big check of XXXX in early XXXX, and then an additional payment on the XXXX of XXXX for $ XXXX totalling {$10000.00} I paid most of the lease off early as I am in the process of buying a house, and wanted to lessen the " debt '' on my credit report by paying down most of the LEASE. I called GM Financial at the end of XXXX as I was concerned they had not UPDATED the fact I made the big payments on my balance. I was informed by GM employee that they report to the Credit bureaus at the very end of the month XXXX or day after. When I checked my credit on XXXX, XXXX I noticed GM HAD NOT REPORTED THE LARGE PAYMENTS MADE 3 WEEKS PRIOR.Alarmed, I filed a DISPUTE with XXXX  stating the fact that the original balance of XXXX should now reflect only {$290.00}. When I got the notice on XX/XX/XXXX from the monitoring agency that my balance went up drastically, I immediatley called GM and was told they must of reported the wrong balance and gave the credit agency the " RESIDUAL '' balance. I informed them that this was a LEASE. I did not sign any contracts stating I am buying the car at end of lease. I would trade it in. I AM NOT BUYING THE CAR. They never reported a Residual amount in the beginning yet they got confused when XXXX called regarding my complaint that I was not credited with making that XXXX, XXXX payment. When the clerk at XXXX asked GM lease  employee what the balance owed was the person actually looked up the residual amount ( had i PURCHASED the car at end of lease and remember, they never reported in the past a residual fee. Always had a original balance of {$10000.00} on my LEASE. I can not get a home now because my debt to income ratio is now off the charts- I went from a balance of {$290.00} to {$19000.00}. GM Financial refuses to clear this up- they said it's a residual amount if i decide to buy itl. WELL, I AM NOT BUYING IT AND THEY NEVER REPORTED THAT AMOUNT PRIOR ... JUST THE LEASE BALANCE WHICH STARTED OFF AT {$10000.00}. PLEASE PLEASE PLEASE CORRECT THE BALANCE TO REFLECT THE AMOUNT OWED IS {$290.00}. I DO NOT OWE {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CO

Complaint narrative:
I originally signed up with XXXX XXXX in XXXX, which was purchased by XXXX in XXXX. The amounts being withdrawn from my checking account to pay for the panels do not even cover the interest due. I have made additional payments only to find out that I am now behind on interest again by {$200.00}. I made a $ 325+ payment in XXXX to cover the shortage ... and I have been making payments for 4 years now and my balance is the same as when I started. Why does NONE of it go toward principal? 

When I call and ask them to increase the amount to a fixed amount, they are unable to do this. If I pay extra, the extra amount is taken from the next month 's due date. The only way I am able to make principal reductions is in minimum payments of {$500.00}. I have requested on several occasions to have my additional payments go toward principal and have been denied. I want to pay a fixed amount regardless of what the interest due is. I want the additional funds to reduce the principal balance. 

Since solar panels have a limited life, I am afraid when my 30 years is up, I'll still have the same balance because they are collecting LESS than interest due so I am always behind, with no way to come up to current - how fair is this?! I have requested to be put on a 10-15 year fully amortizing payment, and they state it is impossible. How am I ever going to pay this off? What happens at the end of my 30 years and I have expired panels and a {$27000.00} balance ( Original bal )? This seems predatory and deceitful, and I am getting no where talking to the support staff. Furthermore, there is no way to talk to a human being, it is only via email. I really need help in navigating this company - I am just trying to reduce carbon footprint and am afraid I got myself into a boondoggle!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express recently informed me that it sent a {$50.00} check to me and attached a copy of a statement that listed my address. The American Express account statement does not show my correct mailing address that I gave to American Express when I opened an account with them. 

American Express asked me for two addresses when I opened my account : a physical street address and a mailing address. As one of the attached American Express Statements ( Statement_Enclosure.pdf ) indicates the address they have been mailing their correspondence to is incorrect. American Express should investigate what address I provided to them as my mailing address at the time I opened the account. Despite my many reports to American Express that I was not receiving critical correspondence from from and informing them multiple times during XXXX and XXXX about my correct mailing address, they still fail to address the mail properly and this is the first time they had shown me a document that has my address they way they printed it on their correspondence. 

I had not received the {$50.00} check that Amex promised they will mail me and American Expressed failed to perform a due diligence of their system to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America routinely blocks payment on my debit. I honestly believe at this point this is pure harassment on the part of BofA. 

This last transaction they blocked a {$290.00} transaction. The result of this block was that my order disappeared. I had spent a couple of hours curating this order. Was this order to an online XXXX site? no it was to purchase essential oils at XXXX  XXXX. 

At this point it is just clear that BofA is discriminating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i put furniture for sale on XXXX XXXX. XXXX contacted me stating he was moving from colorado and his company was paying for the relocation. He emailed me a check of XXXX and he instructed me to deposit it to my account via my XXXX XXXX. He asked me to pay his " movers '' and for me to keep the {$700.00}. He asked me to send {$1400.00} to his movers via XXXX at email XXXX and he confirmed with me movers would be at my house sunday for pick up. Sunday came around and he texted me that afternoon he son was in the hospital, needed emergency XXXX and will not be relocating at the moment. I told him i would send him back {$700.00} for his purchase. he asked me to send XXXX via XXXX to XXXX, in which i did.Five days later the check bounced and the bank took XXXX and is not considering it fraud because i was the one who deposited the check. Chase has not been helpful at all in my situation. Check Issued was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX BANK IS XXXX XXXX XXXX ACCT # XXXX. I DONT KNOW IF ROUTING # ARE XXXX OR XXXX ( both are on the bottom of the check )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: N.A.R., Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is double reporting with NAR # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with NAR to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Equifax regarding information on credit report. Equifax sent a letter back stating that they did not locate a credit file for me. As this is incorrect information, because I am able to see information reported from Equifax on XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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