vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I work for the XXXX XXXX XXXX a qualifying non profit through FEDLOAN forgiveness. I have been making payements for 2 years and 6 months. I have learned that non of my payments have qualified. I set it up through them for income based payment, and direct debit through them for the payment. So this year, they have taken my yearly job certification and they have ignored it. They say my current payment is {$910.00} a month. I called and resubmitted the paperwork and the associate said it would be corrected and apologized. Now our billing statement has come out and again asking for {$910.00}. Also, all my uploaded documents have been removed from the " upload history '' on the website. So I faxed over the docs this year since they said they could n't locate the docs I uploaded. <P/>I do n't know what to do since I have done everything to try to fix this and too have all my previous payments go to waste it 's a little defeating. I hope that reporting this will help move the dial into fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : 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 2017-06-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: Credit Plus Inc
State: TN

Complaint narrative:
I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The following creditors and Equifax have been and are reporting inaccurate information on my credit report. The following creditors and Equifax have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Equifax and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Equifax and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Equifax nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since theyreceived the dispute, according to the Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the  following hard inquiries should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and hard inquiries should be deleted immediately are : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: IL

Complaint narrative:
The following creditors and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Experian. Experian and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Experian and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Experian of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Experian have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # 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 2017-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got an online job through XXXX on XXXX XXXX, 2017. The person I got hired by claimed to have the name of XXXX XXXX. He sent me a check from a " customer '' for {$840.00}. I was to keep {$400.00} as I had already worked for him for over a week, and {$440.00} of it was to go to his " printer '' who would print his paintings on canvases. ( He says he 's an artist and that 's what he said I was going to be doing for him -- setting up invoices, creating a website for his company, etc. ) I waited 4 business days, and by the looks of it, my check had cleared that he sent me, so I sent his " printer '' ( whose name was XXXX XXXX - I also have his XXXX XXXX XXXX account # to verify him : XXXX. I suspect this is actually who " XXXX XXXX '' is since this is who I was told to send the money to ) {$200.00} on XX/XX/XXXX, then {$240.00} the next, XX/XX/XXXX. The following day, Chase Bank returned my check saying the Payor stopped payment. He then said he would transfer the funds into my account and that there had been some kind of mistake. He sent me another check from a " customer '' to deposit -- fortunately I was on to him at that point. He has now blocked me from XXXX XXXX -- our main form of communication. HELP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get it

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 2017-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just  XXXX   XXXX . Its  XXXX   XXXX   XXXX  and I Do n't have   XXXX   on my name. I Do n't know who this person is and ther e may be  more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me.   XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: IA

Complaint narrative:
I opened an account A local on-line banking institute about seven months ago upon completing the enrollment process on-line, I was promised a {$300.00} enrolment bonus, when I contacted my bank via on-line I was given a run around, which to date I still have n't received any portion of the {$300.00}. I 've received several bounce slips with choice words as to refer to the " MAKER '' for reason of non-payment, I received conflicting deposit and withdrawal codes. I did attempt to correct or fix the errors, but to my surprise I was n't that lucky. Today I went to the local branch to just cash a payroll check from my employer and was informed my account had been charged-off for non-payment. I was however able to immediately reopen my checking account successfully with a XXXX dollar deposit, but given no explanation as to why so many problems to where it has effected my credit and credit score negatively, not to mention embarrassing and frustrating to name a few. The bank I 'm referring to is XXXX XXXX XXXX Checking.

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 2017-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One advertises the " Account Combination '' feature for credit cards on their web site, which should in theory allow a customer who meets all the listed criteria to combine card accounts. I do meet the listed criteria but despite many attempts, always get an error message ( attached ) saying my accounts can not be combined. I have been a Capital One cardholder since XX/XX/XXXX, and over the years I ended up with four Capital One cards ( one or two were from their merger with XXXX ). I want to keep my oldest account, which has no annual fee and a {$1400.00} limit, and merge it with the credit lines of my two other personal cards which do have annual fees but lower limits ( {$850.00} and {$600.00} ), making one card with no annual fee and a {$2800.00} limit. <P/>I called Capital One customer service in earlyXX/XX/XXXX, spoke to someone in an outsourced XXXX call center, and they were unable to resolve the issue, or determine the specific reason why the Account Combination feature did not work on my cards. They could only rehash the explanation from the web site. <P/>On XX/XX/XXXX, I emailed XXXX XXXX ( attached ) who, from my research, had helped develop the Account Combination feature a few years back. She forwarded my email to XXXX XXXX, who later forwarded it to someone on the social media team, who in turn bounced it to the so-called " Executive Resolutions '' office. From what I can tell, the Executive Resolutions office is just a customer service escalation desk that has no real empowerment to fix this issue. I spoke to XXXX XXXX in that office via phone on XX/XX/XXXX and she, also, was only able to rehash the verbiage from the web site. She offered no resolution or further escalation. <P/>Later that evening, XX/XX/XXXX, I wrote a letter ( attached ) to XXXX XXXX, President of XXXX XXXX XXXX, and mailed it via XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The letter was delivered XXXX XXXX with tracking number XXXX ; an " XXXX XXXX '' at Capital One signed for it. In the letter, I expressed my frustrations with the lack of effort of anyone I had spoken to at Capital One to resolve or explain the Account Combination issue, my attempts to resolve it, and asked for XXXX XXXX to help, or delegate to someone who could. To this date, I have not received any acknowledgment of my letter to XXXX XXXX. <P/>On XXXX XXXX, still frustrated with the lack of resolution, I closed my two Capital One cards with annual fees. The fees were going to post in XXXX and XXXX if the card were kept open, and I do not want to pay annual fees for cards I no longer use with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: PA

Complaint narrative:
My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-25 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: NH

Complaint narrative:
Through Navient, was on a income based repayment place and authorized the agreed amount of {$670.00} to be withdrawn from my account on the  XXXX  of every month. On  XXXX   XXXX ,  2017 , Navient withdrew {$650.00} from my account. Then proceeded to withdraw the regular payment on the  XXXX . Called Navient to address issue and they said I agreed to have an extra payment taken out, which there was no record indicated on the account. I am not currently on the thi rd month (  XXXX  ) an d they are still proceeding to take an extra {$600.00} out of my account every month.   This is jeopardizing my account and has put me in the negative.   Navient has said they will investigate the matter and refund the money that was taken out of my account, as of today  XXXX   XXXX ,  2017  this has not happened.   I have managed my money to make this payments accordingly, and with these extra withdrawals this has put me in the red and Navient has shown no interest in fixing the issue.

Company response to consumer: Closed with explanation