vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started a fraud dispute with the credit bureaus. XXXX is the only creditor that did not removing the fraudulent account from Bank Of America.I 've contacted BANK Of America they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. Bank Of America requested my id from a third party which was XXXX. XXXX sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what XXXX has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX XXXX. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how Bank Of America has handled my situation, they were questing my XXXX and making me uncomfortable with questions that could have been avoid if only the bank let me know what XXXX has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2018,, Signed Up For OverDraft Protection On My New Bank Card From Wells Fargo Bank,, Got An Email On XX/XX/XXXX,,, saying That My Account Will Updated,, So On XXXX XXXX,, Went To The Bank To Get Cash,, ( XXXX. ) + XXXX,, Using The Overdraft Protection,, Then I Went Today To Use My Bank Card My was Declined ( 4 ) Times ), I was Very Upset,,, This is So UnAcceptable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
The company calls me everyday. I have sent an email requesting my loan be considered paid in full due to the excessive amount of interest I have paid beyond the amount of the funds received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. 
The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full.

I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies.

I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. 
In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.

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 2018-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/2016, XXXX XXXX XXXX. submitted an outstanding balance of {$7000.00} to Equifax claiming that I have purchased goods from XXXX XXXX and have refused to pay it back. I contacted them several times to show me receipts and evidence that I have in fact made these purchases but they refused to do so. I told them repeatedly that I did not make these purchases but they insisted that I am responsible no matter what. I know they are a collection agency. I have contacted Equifax numerous times disputing these charges but they continue to claim these are my charges without providing any proof. If anyone has dealt directly with Equifax, can appreciate my frustrations. Most of their agents dont speak English well enough to comprehend the issues. They should not ruin ones credit with thorough investigation and documentation. I took it upon myself and found out who used my account number and filed a legal claim and have a judgment against her that I have tried to share with both Equifax and XXXX XXXX but they simply dont care and dont care how their lack of proper investigation and inaccurate reporting hurt people like me. I have my best to resolve this but are of options and can not afford legal fees to seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following note was sent to Experian website on XX/XX/XXXX and no reply was received : I want to cancel any subscription you may be holding for myself XXXX or my wife XXXX and want full refunds for all prior charges of {$21.00} each on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would like an email reply plus a phone call at XXXX Your numerous customer service numbers on line are impossible to use and I do not wish to give you my social security number. 


The following letter was mailed to Experian on XX/XX/XXXX on XX/XX/XXXX and no reply was received : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Madam/ Sir : This letter is to formally dispute your monthly charges of {$21.00} from XX/XX/XXXX to XX/XX/XXXX ( inclusive for 13 times ) to receive a monthly credit report. This was not authorized by myself, my wife, or by my daughter XXXX. These charges were made against my personal credit card. 
I would like a full refund made immediately and to stop all future charges. 
I can be reached at the address, phone, and email below.

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern : On XX/XX/2018 my CapitalOne Venture card got charged an annual fee of {$59.00} for the next membership year. Seeing no benefit from keeping this type of card, on XX/XX/2018 I requested a downgrade to a no annual product -- the QuickSilver card. Despite the fact that the phone representative assured me the annual fee would be refunded within 5 to 7 business days, my card has not been credited as of now. On XX/XX/2018, I called customer service and both the front line representative and account specialist insisted that since the product conversion is essentially an upgrade, the fee will not be refunded. I would have cancelled the card to get rid of the annual fee if the representative had not stated the fee would be refunded with the product downgrade in the first place.

I consider this as CapitalOne 's bait-and-switch tactic to make me keep the card and collect the annual fee at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a customer with Capital One Bank for over 15 years. I was notified that my checking account was frozen on XX/XX/18 after my debit card kept declining a {$35.00} transaction in the nail salon. I then called Capital One customer service on XX/XX/18 and spoke with a representative named XXXX and a Supv. named XXXX in order to find out why I could not access my account. i was told my account was in the process of being closed involuntarily and the bank does not have to give me an explanation as to why. I was also told the bank would take over two weeks to forward my remaining balance to me. I have never had a negative balance and have always maintained an amicable relationship with the bank since opening my account and any issue I have had was easily resolved via customer service or their managerial staff. On XX/XX/18 I spoke with another supervisor, named XXXX ( female ), who was very rude, to find out if my check had been mailed. She then stated the check would take seven to ten business days for me to receive it. The banks sudden decision to close my account has caused me not to be able to pay my now due bills, receive a host of return payment telephone calls, accrue late fees, and have to negotiate with my lenders and service providers of which has been quite humiliating. I am not a rich woman and I have entrusted my money with this institution. The bank never even gave me the opportunity to close my account and retrieve my money. The bank made a " big brother '' decision and now I am suffering the consequences. They knew they were planning on closing my account and they never notified me via text, email, letter, or telephone.I can not afford for this agency to force me into debt with late fees IOU 's and interest rates. And now left with no banking institution they have added insult to injury by stating they are going to send me a check. This can not possibly be legal. I believe I have a right to have my funds returned to me in a expeditiously and I deserve a reasonable reason for why my account was involuntarily closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It all began when I got a check from a friend. She lend me {$8700.00} and gave me a check on XX/XX/2018 which I did deposit it on the XX/XX/18. she didn't had the money but she made a transfer from other of her accounts on XX/XX/18. Unfortunately the check was bounced because she the funds she transferred weren't available. So, I had a bounced check. 
She gave me another check of {$8000.00} on XX/XX/18 showed me that she had the funds available, I deposited the check that same day and the money was pulled from her account the same day, XX/XX/18. Unfortunately Chase which is the bank where I have my account, put a hold on my money from XX/XX/18 until XX/XX/18 and they're saying that it is because they haven't got the money and that because, I had a bounced check from that same person, I have to wait until they get it. 

The money was taken out of my friends account since XX/XX/18, i don't understand why I have to wait 8 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
On or about XX/XX/2018 I received a billing invoice from XXXX XXXX in the amount of {$280.00}. I am XXXX and unable to pay the entire amount. On XX/XX/2018 I sent a payment on account of {$20.00}. They accepted the payment, the check cleared my bank on XX/XX/2018. 

Beginning on XX/XX/2018 and continuing through today, XX/XX/2018, I have received 80 calls on my cellphone from the debt collector. They have called as many as 18 times in the space of two minutes. They leave no messages, they just continue to call. 

I've done my research on XXXX XXXX. They have a reputation for harassment, verbal abuse, and unreasonable payment demands. I have nothing and I have no income. I intend to pay the amount owed but I will not be threatened, harassed, or bullied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX , XXXX has placed me into a personal debt collection notification with XXXX for a utility bill with XXXX XXXX XXXX XXXX. The debt amount of {$440.00} is owed from a property I no longer reside in which was from XX/XX/XXXX according to XXXX XXXX, XXXX. This debt must be paid by me personally. This was addressed on XX/XX/XXXX with XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX XXXX has notified me that the debt collection is official as of XX/XX/XXXX and there was 25 point credit score reduction. As of XX/XX/XXXX at this time XXXX XXXX XXXX , XXXX has not received a meter reading statement nor a utility bill for this debt. On XX/XX/XXXX I meet the written requirements of drafting a letter correspondence and mailing the meter and bill requests to XXXX XXXX  XXXX XXXX XXXX, NY XXXX requested by XXXX XXXX ,  XXXX based on my direct phone dialogue with XXXX XXXX, XXXX. There was a follow up call with XXXX XXXX XXXX , XXXX on XX/XX/XXXX in regards to them proving a bill, a proper contact with the Utility and there was differed statement that the manager is out of the office and would speak to me on Monday XX/XX/XXXX. I pressed again the notion to the agent from XXXX XXXX XXXX , XXXX which was do have bill for this debt and the agent debt collector wanted to get off the phone when I recited IRS and Federal Energy Regulatory Commission Obligations that the utility must proceed to provide in record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been on my report for 7yrs 2 mo it should have been removed once it hit the seven yr mark I request that it be removed IMMEDIATELY!

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 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My wife and I were going through financial hardship. We spoke with a manager explaining our unique situation and made a payment on both my wife 's credit cards with capital one.

Capital one accepted the payments, we setup a card in which I get automatic deposit from state of Oklahoma because I have a XXXX XXXXXXXX XXXX and receive SSI. My wife was XXXX at the time and in fact has been XXXX for the past two years. The amount we could pay on both cards was {$25.00} per card. I gave the account manager the information to make monthly payments on each card. 6 months goes by without a phone call and we received one stating we are nearing 6 months behind. I called and spoke with customer service and stated what I have mentioned above and that they need to check their records and listen to the pre-recorded conversation my wife and I had with Capital One. The customer service agent said they would review the recordings and get back with us. I never got a call back and had to call them. They said they don't keep recordings for that long. We made an attempt to pay at least something towards this debt. Capital one communication failed to even call us back. In fact the amount we paid before was suppose to divided between the two cards and they put it on only the card with the greater debt. Now they have hired counsel and want to take my wife to court. My wife had added me to the debt. I also have been in communication with the nation debt consolidation and relief. Please help us as I do believe we have been treated unfairly. We also have not received any communication since the incident by mail from capital one. Nor have we received any attempts to collect on debt. Just a service by process on my wife. They served her and I accepted service even though they didn't serve her by her correct legal name. 
I do believe I have more documentation on this as well. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I started a fraud dispute with the credit bureaus. Equifax is the only creditor that did not removing the fraudulent account from XXXX  XXXX XXXX.I 've contacted XXXX XXXXXXXX XXXX they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. XXXX XXXX XXXXXXXX requested my id from a third party which was Equifax. Equifax sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what Equifax has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX only. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how XXXX XXXX XXXX has handled my situation, they were questing my XXXX  and making me uncomfortable with questions that could have been avoid if only the bank let me know what Equifax has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
We completed a refi on our house on XXXX XX/XX/2018. In turn we received checks to send to debtors in this refi and mailed them out the following business day on the XX/XX/XXXX. All but one account received and paid by the XX/XX/XXXX and account were posted The account that was not posted was XXXX Account by XXXX XXXX. they did however receive the other account payments for XXXX XXXX, Walmart, and care credit. 
We called the company numerous times ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX ) and they wouldn't help. We know the check for the XXXX account has been cashed. We tried to speak with a manager and give account number and check number and amount and they said the only thing we can do is forward the information the payment research, and we cant speak with them. they also said we need to pay our bill in the meantime and theres nothing they can do. Synchrony is horrible about helping us with this matter. They said that it will take another thirty days to resovle this matter and its not there issue??? I need help please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My first student loan began in XXXX while attending XXXXXXXX XXXX  College. After 2 years, I transferred to XXXX XXXX University. Sallie Mae began servicing all of my loans ( including those previously owned by them ) in XXXX. 

Since XXXX, I have been perpetually under-employed. Throughout the course of my " career '', I have barely been able to make any payments on my loan. This becomes important to the story since the XXXX began in XXXX. Since XXXX, Sallie Mae and Navient employees have been purposely steering me away from repayment products which I qualify for that would have helped me to ultimately have my loans forgiven. I have been an employee of a 501 ( c ) 3 nonprofit organization since XXXX. This first time that any agent of Navient ever asked me if I was employed by a " public service '' was in XXXX. 
In other words, Sallie Mae/Navient intentionally did not tell me about the Income Based Repayment Plan nor the Public Service Forgiveness options to reduce and forgive my student loans. They consistently put me in forbearance. They rarely signed me up for deferment and as a result my balance on loans that began as {$21000.00} increased to {$34000.00} in XXXX, an now is {$56000.00} today. Had I been given the information to consolidate my loans to a Direct Loan in XXXX or XXXX so that I could then apply for Public Service Forgiveness, I  would no longer have a student loan. Or, I would be 11 years into the IBR versus 2 years. 

Sallie Mae/Navient committed fraud against me.

Even today, the first customer service representative I spoke with at Navient gave me the wrong information and told me that I did not qualify for loan forgiveness. He then corrected himself twice during our 30+ minute conversation. I have asked that the recording of that conversation and the conversation with his manager be pulled

Company response to consumer: Closed with explanation