vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
In XX/XX/XXXX I used my Bank of America ( BofA ) VISA credit card to purchase a product from XXXX XXXX. The item was pictured in the XXXX on line catalog. I received the item ( a clothes dryer booster fan ) on XX/XX/XXXX. It was not the item shown in the XXXX XXXX on line catalog, and was a less quality and less operative item. I contacted XXXX XXXX by email on XX/XX/XXXX and conveyed my concern. XXXX XXXX instructed me to take a photo of the item I received and email them the photo. On XX/XX/XXXX, XXXX XXXX then emailed me instructions to return the item to an address they provided, and they would issue me a refund. On XX/XX/XXXX I shipped the item via XXXX and received a confirmation of delivery by XXXX, signed for by XXXX at the address provided XXXX XXXX, on XX/XX/XXXX. XXXX XXXX never refunded me. 

I contacted BofA with the challenge to charge. On XX/XX/XXXX I received a letter from BofA. The letter was dated XX/XX/XXXX, post marked by the USPS XX/XX/XXXX. The letter instructed me to respond by XX/XX/XXXX or my claim would be denied, which was impossible to do since the letter as stated above never got delivered by the USPS until XX/XX/XXXX.. In the letter XXXX XXXX told BofA that I had received the item and I was using the item. I provided copies of the email instructions from XXXX XXXX and a copy of my XXXX delivery confirmation to BofA. BofA denied my claim because I FAILED to meet the BofA deadlne. I contacted BofA to appeal and they denied my appeal, again stating that I FAILED to meet the response deadline of XX/XX/XXXX. Interestingly BofA said that they had the XXXX XXXX for 3 weeks before the generated the letter to me and they were not at fault for USPS not delivering the letter to me in a timely manner.

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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo Claim # - XXXX I disputed some unauthorized transactions on my card, and wells fargo denied them all. My account was compromised and someone also deposited checks into my account, I told my bank it wasn't me and all they said was well we are still closing the account. 

I think its completely bogus for a bank to allow someone to make purchases with my card information even after I had already called in someone using my card back in XX/XX/XXXX. And even worse, when a customer calls in about fraudulent activity, and the bank does NOTHING to help the customer! 

They waited a whole month to cancel that card! And now that my money is gone they are closing my account. 

Please Help

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 2018-05-11 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Refused to close my account. Charged interest rate. Put me in collection. 
An issue began in XX/XX/2015 when I was trying to close my account. Since that I was charged an unknown interest rate. Every time I attempted to close the account I was denied.

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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
This company has called repeatedly, indicating we have a debt with XXXX. They insist on asking for date of birth and social security number and advise calls are being recorded. I state to them we have no debt to that company, and if so, send the support to us so we can review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: MA

Complaint narrative:
In XX/XX/2018 i requested a credit report from trans union. I disputed 5 late payments. The result was that accounts were closed. I was not allowed to create a statement re late issues. 

Today I was looking at my credit report from trans union at  XXXX. There were eleven late payments and a car loan which was paid off two years ago. 

I called trans union and the person, XXXX, could not give my any information about the additional late payments after twenty minutes on the phone. 

I would like clarification of the eleven late 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 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was previously over charged for my monthly payment by Navient in the amount of {$550.00} on XX/XX/XXXX. In addition to the {$550.00} they deducted the original payment out of my checked out in the amount of {$280.00} on XX/XX/XXXX. The amount of {$280.00} is my standard monthly payment through Navient. However, when I contacted customer service about the additional charge of {$550.00}, I was told it would be credited to my checking out. I was told my account would be credited within 24-48 hours. On XX/XX/XXXX, I contacted customer service again to see the status of the credit, as they said it looks like the proper codes were not put into the system, therefore the credit did not get approved. I was told the credit was submitted again. At this time, they took my checking account information to expedite the process and the supervisor I spoke to in collections stated it would be an additional 24-48 hours. On XX/XX/XXXX, I contacted Navient again to see the status of my credit of {$550.00}. This was my second time speaking with a supervisor. I was told that the credit can take anywhere from 3-5 days to be approved. On XX/XX/XXXX, I spoke with Navient supervisor and was told that the credit was approved on XX/XX/XXXX and that they are done on their behalf to check with my bank. This has been over 20 days that I have been waiting to have a credit in the amount of {$550.00} to my account, as it was Navient who made the mistake of taking that amount in addition to the set monthly amount. I am extremely frustrated that this has been treated as if {$550.00} is not a significant amount. I have been struggling to make ends meet within the last few weeks because of a mistake on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 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: VW Credit
State: TX

Complaint narrative:
On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX  & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
I paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. 

Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX -  {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received a debt collection letter from Portfolio Recovery Associates ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XXXX as shown on credit report from XXXX ( SEE 2 ). Also the XXXX date is evidenced by letter from XXXX XXXX XXXX ( SEE 3 ). The outdated XXXX XXXX debt from XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX   XXXX XXXX ( SEE 4 ), and XXXX XXXX  ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX   XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX  did not issue a new credit card to me after the XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
I received a letter on XX/XX/XXXX from UMB Bank ( which was a surprise since I have online banking & e-statements ), which stated that my savings account was changing to dormant status because I hadn't done any transactions in 18 months. ( Bad that I didn't transfer to it, but good that I didn't use it! ) Anyway, the next day I logged into my account to transfer from my checking, and I see that they charged my savings account a maintenance fee of {$25.00} each month for the last 3 months! The furthest my statement history goes back is XX/XX/XXXX, and sure enough, UMB has been stealing {$25.00} a month from my savings account! 

Of course I immediately called the bank, and the lady in the Customer Service Department was nice, but she couldn't help me over the phone. She ended up getting my original location on the phone, which I neither work nor live near, and the lady said she could only refund the most recent 3 months, {$75.00} worth of charges. She was able to research it a bit though, and found out that UMB got rid of the savings account I signed up for originally, initially grandfathered my account, then ended up getting rid of the grandfathered accounts and put me in an account that had to have $ XXXX in it, or they charge {$25.00} a month. I asked her for a copy of this letter since I had never received it, and I can't look at my history before XX/XX/XXXX, but I haven't heard back from her yet, so I still don't know how long they have been financially raping me. 

I was in XXXX  for 16 years, and I am well aware of the greed of banks and their inflexibility when it comes to waiving overdraft fees. That stinks, but I get it at the same time. However, in this situation, I did nothing wrong, other than not logging in and looking at my savings statements. I'm sorry, but I TRUSTED UMB Bank with my money, and they decided to change my account guidelines and charge me a substantial monthly fee, then refused to give me my money back, and for that, I am repulsed. 

The lady at the XXXX XXXX location, I believe her name was XXXX or something like that, was only able to refund {$75.00} of the hundreds of dollars UMB stole from me ( I don't even know how much since I can't access my history ). 

Anyway, I would appreciate any help you can provide!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I hired a content provider order to proved the contents for my website XXXX, using paypal.com since paypal guarantees against fake providers and for products not as described, however this person was not who claimed to be, she turned out to be not qualified and not able to provide the documents as agreed. I contacted paypal in many occasions and they refused to base the facts eventhough i provide the detailed information and files to prove my case, its seems that they are interested on resolving it. I have called many times, filled disputes to only get denied for no reason what what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TX

Complaint narrative:
OnXX/XX/2018. I pulled my Experian credit report showing my XXXX XXXX account for my XXXX XXXX XXXX still seems to show open on my Experian Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my Experian report as no payments are being managed by a counseling agency. On my XXXX & XXXX report, the account shows closed & paid off. I have been trying to resolve this with Experian for over 2 years, and they always come back saying XXXX has verified the account has still open. Experian continues to violate the FCRA and keep this account open. XXXX XXXX has not verified this account correctly.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
on XX/XX/2018 an unknown person used my identity in the XXXX TN Best buy store to look up and purchase two large ticket items.

The clerk looked up my account information and sold the two large ticket items to the person. 

Best buy in my opinion did not do enough to protect my identity and verify the purchase.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX via XXXX XXXX. I fully paid off my balance. I had XXXX due. I have paper bills with XXXX dollars due on them. I just noticed they started sending me bills for late fees on my XXXX dollar balance. I want the charges reversed and the inaccurate information removed from my credit report. I did call and explain to them what happened and let them know I would report them to the FTC and the customer service rep told me to go right ahead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian credit bureau allowed XXXX XXXX XXXX to report delinquent payment activity on an account that had been discharged as a result of my XX/XX/2015 bankruptcy. After filing several disputes and providing proof that XXXX XXXX. reported the information under fraudulent pretense, Experian still refused to update or remove the account.

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 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Nelnet, Inc.
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/XXXX I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name XXXX and he informed me that they did not take it off for the membership agreement. I explained to him that my name was in the process of being taken off that bank account and that I was no longer going to be on that account and what they were doing was illegal and that they could not deny my request. He said that they could. That no law could stop them. I told him that its against the law to debit someones account for someone elses bills. I told him that I was in the process of obtaining another bank account and that I was wanting to pay my amount through a prepaid card. He told me that they don't allow that.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I asked the company to stop calling but they continue to call. They are not an original creditor and I do not know how they got my information.

Company response to consumer: Untimely response