vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: CITIBANK, N.A.

Complaint narrative:
I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.

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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Y name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never applied with Chase Bank and was told I have a home loan, which I live in a XXXX XXXX XXXX Assist'ed Apt I had a student acct with XXXX XXXX XXXX in XXXX, CA on XXXX XXXX I became very XXXX from a XXXX back in XXXX ( not certain exact date 's ) and my account was said to have a Insurance binder that would pay 6 months payments if I ever needed it. 

I had to spend every penny I could scrap up to detox from a bad batch of XXXX I had been prescribed from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX I even had to let my XXXX XXXX XXXX shut off to afford to shop at Whole Foods Grocery Store in XXXX, CA XXXX XXXX failed to provided the Insurance payments stating I was already injured at the time the credit was granted and therefore did not have to cover me, yet kept promising they would. 

My credit score plummeted drastically. 

It breaks my heart as I have been trying to re-establish myself. This keeps a dark cloud over my head and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently opened XXXX XXXX profile. And upon reviewing it I realized it was an account on there that I was not responsible for. Nor did I authorize anyone else to open in my behalf.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing 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 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date XX/XX/XXXX, amount {$30.00}, 1 late payment reported on account by Wells Fargo, account has been opened since XX/XX/XXXX, and have asked for the one late payment to be removed and it is not removed yet.

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 2018-01-17 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: TX

Complaint narrative:
I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XXXX 2008. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and did n't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.

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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Equitable Acceptance Corp
State: CT

Complaint narrative:
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on 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 2018-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... 

" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

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 2018-01-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.

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