vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have paid on these loans for over 10 years now. The amount has only INCREASED and not decreased. I had the department of education tell me as well as a navient manager, both stated these loans have been satisfied. My original loan has been bought out 3 times. PLEASE HELP I have sent in a dispute in XX/XX/XXXX with no avail. I DO NOT want this going against my credit. I have FAITHFULLY paid on the loans with only one year of forbarence in XX/XX/XXXXmy husband lost his job at that time as well as my son was born with a XXXX that is still on going. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed a dispute on a XXXX transaction for XXXX I was given a link to follow from the merchant that didn't work when I reached out to the merchant they indicated it would work. I filed the dispute with my bank and told them all the info needed and even offered to supply emails of what happen they said they didn't need it. When I got the 70 page letter in the mail it came back from merchant that I didn't return which is correct merchant refused to provide me with info to return. I called in again to my bank and was told by XXXX after telling her again what happen from start not worry and that the credit would not be debited XXXX also worked on another case for me that day. A week later I look at my account and there is a debit for this amount I called in spoke with a XXXX from Florida who informed me that XXXX was on her team and XXXX was their manager but was unable to talk to me right then. But he would call me back as I wanted the bank to listen to the call me and XXXX had. XXXX never called me by the 3rd hour I called back was talking to another person in FL that was on the same team said XXXX didn't forget about me but would call me back I asked what time he left for the day I was told XXXX ... XXXX never called and my issue is still I need my refund I still 4 days later have not received a call

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 2018-02-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid my Chase Credit card balance off around XX/XX/2017.  I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call Chase and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Debt Holdings, LLC
State: OH

Complaint narrative:
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX   Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported fraud to synchrony bank ( XXXX master card ) for the amount of XXXX back in XX/XX/XXXX, they denied the claim because one of the agent misunderstood me saying i have the card with me and the chipped was used, i immediately called back and told them about the situation, they re-opened the claim on XX/XX/XXXX and I have provided back to them a form stating that I do not have my card with me, only used it once way back before and lost the card in around XXXX. I don't really use this card so didnt relaized it was lost, but reported it right after. case was closed and denied again, I tried calling them back and talking to them because I was supposed to have XXXX liability for something I did not use but bank was stating that that only works if they think the transaction is legitimately fraud. I got turned down and they said there is nothing they can do for something i did not spend.

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 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIRSTBANK
State: AZ

Complaint narrative:
I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ND

Complaint narrative:
Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should 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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows that I have not agreed to purchase. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.

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 2018-02-06 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: TX

Complaint narrative:
Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should 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 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MD

Complaint narrative:
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX made a deposit of {$3400.00}. On XX/XX/XXXX made deposit of XXXX. On XX/XX/XXXX after deposit i paid tjree bills that Wells said would be delivered XX/XX/XXXX. On XX/XX/XXXX they sent me an e mail that I had XXXX money in account. I called XXXX XXXX and XXXX XXXX and they did not have payment but Wells took the money out of my account and took money from my savings for overdraft. They have been doing this and charging a {$12.00} fee. I did not realize it. So they are taking my money out of account before creditor receives and then charging 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 2018-02-06 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:
I paid my XXXX Credit card balance off around XX/XX/2017. I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call XXXX and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.

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 2018-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently relocated to the US in XX/XX/XXXX. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under XXXX and 5 under Equifax ).  This was done without my approval and without even informing me. 

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XX/XX/XXXX which is the date I was in the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Account with with insufficient funds is reported as 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 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX,  stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.

Company response to consumer: Closed with explanation