vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have Price Protection on my credit card XXXX through XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I have submitted over 12+ claims this year with no problem. I submitted a claim for $ 20+ and had not received the funds, I also received a notice from my bank that one of the checks from the Price Protection was returned as unauthorized and that I would be charged a {$10.00} fee for a {$4.00} check. I called the Price Protection customer service, spoke XXXX on XX/XX/XXXX. She shared with me that I now needed to include my credit card statement showing that the charge on my receipt actually occurred as of late XX/XX/XXXX update of procedures. I had not received previous notice on this nor was it indicated when I filed my claim. She also shared that the check for {$4.00} was issued and then reversed, no explanation for it except she would look into getting my {$10.00} fee for a {$4.00} check refunded to me if I would send her a copy of the letter from my bank with a copy of the check showing that it was returned. I had not retained a copy of the claim for {$20.00} and it was no longer available for me on line. In the interim I did find that the item I purchased for the {$20.00} claim is now {$39.00} lower. I submitted my bank fee letter and the new claim for {$39.00} to XXXX 's attention per her instructions electronically in XX/XX/XXXX. I was told to given them 2-5 business days from receipt for them to process. I called onXX/XX/XXXX to determine where my refund is for bank fee and why had I not received the payment for the {$39.00}. I spoke to XXXX who advised me that my claim had gone for review and now it 's under management review, give them 5 more business days, she had no information on my bank fee reimbursement. I called today XX/XX/XXXX, spoke to XXXX who advised me nothing on my bank fee reimbursement and since it 's the weekend she does not have an update. I would need to follow-up during the business week even though they are noted as a 24 hour operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX 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 2017-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My interest rates changed and monthly payments are now over {$1000.00} per month. I am a XXXX and can not afford this monthly payment. First phone call-XXXX XXXX : I spoke with XXXX and XXXX. I was told that I do not qualify for any repayment plans because of my co-signers. I have no other options but to pay an amount that I simply do not have access to. I have never missed a payment in the past and was told after three incomplete payments they will turn my over to a collections agency. I was later told that I may qualify for the co-signer release program. The woman I was speaking with submitted the paperwork for the co-signer release program and explained that all I would need to do was sign the form and return it. <P/>Second phone call- XXXX XXXX : I spoke with XXXX . I was told that no paperwork had been started for the co-signer release program and was again told that I have no options but to pay $ 1000+ per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I paid on time and paid it off but they saying i still owe

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 2017-06-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid on time and paid it off but they saying i still owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised

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 2017-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMPUTER SCIENCES CORPORATION
State: WI

Complaint narrative:
CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I walked in a dealership XXXX XXXX of XXXX Pennsylvania I specifically told the sales rep not to run a hard inquiry and I did n't sign everything with them on X/XX/17. The sales rep hit my credit with a hard hit anyway after I told him soft hit only and this was not the first time it happened to me with this dealership! The first time the company ran my credit to multiple bank 's without my permission. I also feel the company overcharged me for the vehicle I received.

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 2017-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 )  of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.

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 2017-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I use   XXXX   XXXX   that makes my money available to me right after working those hours. Problem is that my bank is n't sending info or updating it as fast as they need to be.

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 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus XXXX, XXXX  and TransUnion in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Trans Union Second Letter XXXX XXXX XXXX - XXXX, XXXX, TransUnion Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, TransUnion Fourth Letter XXXX XXXX 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 2017-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I sent the first of many letters to all three credit bureaus XXXX Experian and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. The dates of the letters are as follows First Letter XX/XX/XXXX - XXXX XX/XX/XXXX - Experian XX/XX/XXXX - XXXX XXXX Second Letter XX/XX/XXXX - XXXX, Experian, XXXX Third Letter XX/XX/XXXX - Experian XX/XX/XXXX - XXXX, XXXX Fourth Letter XX/XX/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 non-monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank is n't updating it 's transactions with active hours so I ca n't transfer money over to my account.

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 2017-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
An app, XXXX XXXX, has not been updated in 7 days. This has caused the app to stop functioning. There is little to no communication from 5/3 Bank.

Company response to consumer: Closed with explanation