vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am having the same issues with Capital One, you closed my case without my permission. They had someone call from their executive office, I called back several times, they never responded!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   They will not work with me to lower the monthly payments through this hardship!   I have no job, they refuse to budge. My accounts are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Please be advised that on XXXX XXXX and XXXX, I applied for a Spirit Airlines promotional credit card, online. Unfortunately, I received two declination letters, citing that the declinations were based on information received from XXXX, citing that I have had an account written off as uncollectable. Knowing that my credit score is XXXX, and that I have never had any collection accounts, I contacted XXXX, who confirmed that the basis of Bank Americas decision was not based on any  information supplied or contained by them. And, that I do not have any collections account. Instead, I have 31 accounts in good standing and 0 accounts in negative standing, and 0 collection accounts. What is even more puzzling is that I previously possessed two Bank of America credit cards for several years, without any late payments or issues. That being said, I would like to know the basis of the declination, the actual source of their information, and why XXXX was accused of supplying information, that they did not supply, nor do they possess or have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Mailed to Transunion, XXXX XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX 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 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up for the XXXX XXXX XXXX XXXX Chase Credit Card in XXXX 2017. I signed up via their website, which clearly stated that I would earn XXXX bonus points after spending {$1000.00} in the first three months of account opening. I do have a screen shot showing the offer that was made to me. I ensured that I exceeded the {$1000.00} of spending in the first three months of having my account opened so that I could earn these bonus points. However, the XXXX bonus points were never provided to me after several months of waiting. I then contacted Chase about the missing points. They informed me that I had signed up for a sign-up bonus of XXXX bonus points after exceeding {$2000.00} of spending in the first three months of the account. I tried speaking to different people inside of Chase via their secure messaging system, but everyone refused to help me. The problem is what their systems say I signed up for and what I actually signed up for are different. This is a " bait and switch '' scam that they are running, either knowingly or unknowingly. I was never informed of needing to spending {$2000.00} to earn my bonus points. I believe Chase needs to honor their initial offer to me of XXXX bonus points and that the CFPB needs to look into why Chase is offering potential customers one sign-up bonus, but then switching them to another sign-up bonus without their knowledge. Thanks! XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX/XXXX/2017, I attempted to have TransUnion startup an investigation into inaccurate and/or incomplete information they are reporting as public record. Rather than investigate my dispute as to who was the Trustee in an alleged bankruptcy case they attempted to give me the run around, and refused to investigate my complaint. I further requested the Court Number which they refused to investigate. When I informed them that I would file a Federal consumer complaint and asked where to file my complaint, they intentionally misguided me telling me to file with the BBB, not the CFPB.

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 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
XXXX prepaid card terminated service. They said they would send out checks with the remaining balance. I never received the check. I have called and they repeatedly tell me the check will arrive in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted two complaints to the CFPB regarding egregious errors that Equifax has made on my credit report. I pay for monitoring services through Equifax and as of XX/XX/XXXX, Equifax will not allow me to access updated information of my credit score and reporting information. Additionally I included a consumer statement in an effort to explain the drastic changes in my credit report as a result of Equifax 's errors which was n't been included on my credit report.
Additionally, the Equifax monitoring service has been paid for the month and is effective till XX/XX/XXXX. I have contacted Equifax 's technical support and they advised that the research will take longer then the remaining time of my active account with them. I believe this action was retaliation of the complaints filed against them. I ask them for a credit for the days that I am unable to access Equifax data that has been paid and was told there was no way to provide a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXXXXXX for validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to Experian and XXXX on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments

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 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sold my house and closed on XX/XX/XXXX. BBVA Compass was notified in the closing paperwork of my new address to forward my escrow balance. Additionally, I contacted them via their customer service number ( XXXX ) on XX/XX/XXXX to remind them of the proper address to send the reimbursement check to. BBVA Compass disregarded all of the communication on the correct place to send the check, and sent the check to the wrong address, where it was rejected and returned to them XX/XX/XXXX. I reached out to the bank on Monday, XX/XX/XXXX, and they stated that regardless of their negligence, they had to have an affidavit filled out, and would send me one within 48 hours. On XX/XX/XXXX, after 48 hours, I went to a local branch to seek resolution. The banker at the local branch contacted the mortgage group and said he could be of no assistance, but that the affidavit would be emailed by the end of the day XX/XX/XXXX, or the morning of XX/XX/XXXX. When I did not receive the affidavit on the morning of XX/XX/XXXX, I contacted the customer service number again, and they stated that now the wait time to receive the affidavit was 3 to 5 days. When I asked why the wait time to send an email had changed from 24 to 48 hours, to 3 to 5 business days, the BBVA Compass rep did not answer. As of XX/XX/XXXX, BBVA Compass has held over {$5000.00} due to me in a refund and will not provide me a mechanism to receive my money that they have held for over 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

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