vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are two unauthorized hard inquiries on my Transunion credit report. Transunion has not allowed me to dispute them online. I have had difficulty disputing over the phone. The hard inquiries that must be removed are the following : XXXX XXXX -XX/XX/2019 XXXX XXXX - XX/XX/2019

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 2019-02-11 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: NJ

Complaint narrative:
I am complaining about Citi Bank. 
The Citi Bank card which never has been activated was fraudulently charged. 
The Citi Bank refused to investigate fraud and closed the card instead. 
Ruined my credit history.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting outdated accounts and I have tried on several occasions to close them with no luck. The following accounts should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Additionally, there are unauthorized inquiries on my report. Please remove them. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tribal Lending Enterprise, Inc.
State: AL

Complaint narrative:
I am unable to receive PERSONAL CALLS on my job as which, has caused problems for me. I requested a CEASE TO DESIST effectively immediately from all telephone calls via my place of employment, family members, personal cell phone call, references, etc.. because right now I am enduring a personal matter to include the death of a love one, financial hardship, etc. but will do what is right as soon as my financial hardship ends. However, XXXX XXXX  contacted my place of employment on today, XX/XX/XXXX at XXXX XXXX  and turned around and contacted me via my personal cell phone on today, XX/XX/XXXX at XXXX XXXX. I have documentation.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have received statements from this bank with no closing dates, no previous balance dates, no detailed transaction date, moreover, I believe I am being charged too much for interest. 

I have uploaded a chart of some of my recent statements. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.

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 2019-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN  XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. 

EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wakpamni Lake Community Corporation
State: FL

Complaint narrative:
I made them aware that a garnishment has already been made against my wages and they are still taking money out of my personal checking account they gave me a number to call their finance department who also told me that they can not do this but now the finance department wants me to send all sorts of paperwork to them. Inbox loans never sent me a notice of garnishment they sent it straight to my employer which I didnt know about until I received my paycheck and it was money missing so I called my payroll department and thats how I learned of this garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I am a veteran and a XXXX XXXX. I was not paid for two pay periods during the recent partial shutdown of the federal government. The servicer on my mortgage loan, US Bank Home Mortgage, readily offered me forbearance for three months and was willing to extend it to six months. On the phone, the representative said I would not be charged any late fees and my payments would not be reported late to the credit repositories. I paid my XXXX payment in early XXXX and found that they had reported me 30 days late for the XXXX payment even though a representative promised they would not. 

US Bank Home Mortgage now refuses to delete the 30-day late notation on my credit reports.

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: IA

Complaint narrative:
I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. 

In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. 

The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.

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 2019-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX is reporting a debt on my credit file that is not mine. Also, it is past the statute of limitation in New Mexico. This is affecting my financing and needs to be removed off of my credit file.

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 2019-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My loan with Wells Fargo Dealer Services was paid in full in XX/XX/2016 ; however the company still has an active lien on my title. After nearly 3 years of having the loan paid in full, this should not be the case. After trying to contact the company through their customer care department and social media, my attempts to have this corrected have been unsuccessful. I need this issue to be rectified ASAP so that I may gain access to the title for my vehicle.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX Earn XXXX Bonus Points World OF XXXX XXXX Signature Credit Card APPLY NOWButton to apply for World OF XXXX XXXX Signature Credit Card. 
*Offer Details | Pricing & Terms {$95.00} annual feepricing and terms reference link Earn XXXX Bonus Points after you spend {$2000.00} on purchases within the first 3 months of account opening.offer details reference link* Plus, get a {$150.00} Statement Credit after your first purchase with the World of XXXX XXXX XXXX XXXX XXXX XXXX Price for stay and statement credit may post on separate statements. 




This Chase XXXX credit card is a likely scam. The card as promoted, above, is not available, but a XXXX point offer spending {$3000.00} with no statement credit is available. IT IS A CLASSIC BAIT AND SWITCH PLOY. And that is being kind. 

Both Chase branch personnel and only associates could not offer the XXXX promoted card, but offered a card with lesser value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: WA

Complaint narrative:
Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday XX/XX/ 2019, I was a victim of a scam through XXXX transaction. I corresponded with an individual with the intent to purchase basketball tickets posted on XXXX. The individual and I exchanged texts during which he asked for XXXX transaction to pay for the tickets. The scammer provided me with his email address after which I proceeded to transfer the funds ( {$250.00} USD ) over via online banking XXXX transaction. After the funds were received, he had completely stopped messaging and turned off his phone and the tickets were never emailed as promised. I'm a Bank of America Customer.

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 2019-02-11 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: GA

Complaint narrative:
XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, I recently gotten my capital one secured card closed for missing a payment or 2 I didnt know about Ive gotten no emails no calls ect and I didnt know of the payments or payment I missed. So I recently gotten ahold to my amount I owed my credit card company and I paid my amount if full which was XXXX dollars and they restricted my account then once my payment cleared with my bank they closed my account unknowingly, and it made my bank account go into overdraft. I called them to see why they would do that once my payment cleared and saw that I tried to pay it off then just closed it and they couldnt give me an answer, but they told me thank you for the payment then disconnected my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX  - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For many years, Equifax has reported my birth year as XXXX. I have sent them proof of my correct birth year on three separate occasions with the most recent time being in XXXX. Each time I am able to get through to a live person, they state they do not have my information. In XXXX of XXXX, I sent them copies of my Drivers license, Social Security card and Passport. I have previously also sent copies of my birth certificate. It seems that these items get lost in the mail or never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a late payment showing on my XXXX 's account back on XX/XX/ 2017. I've made several attempts to have them remove that late payment. I've had several problems submitting payment using their website. I don't recall having a late payment on this account. This is the only late payment I have on my credit report. I have several revolving accounts and XXXX  's account is the only account who has caused me problems submitting payments in the past and most recently. I'd post-dated payments to this account over the phone to avoid having this issue again.

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