vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is a disgraceful company. I asked them on multiple and multiple occasions to give me a refund, send me a check. I have a - {$200.00} balance on balance. I asked them several times months ago, THEY REFUSED TO SEND ME A CHECK. One customer service guy even laughed at me for Having an XXXX Name, VERY RACIST. Why did they not send the check? I had trouble with buying food and rent. I asked them multiple mulitple times, send me a check. And then when they finally send me check, i asked what compensation do you have for FAILING to ABIDE by contracts, and failing to following government consumer law, and failing to provide customer service, or abide by California policy. They said NOTHING, and laughed at me, it is like they do everything to disrespect/fraud people, THEY STOLE my money for a while, laughed at my face, and did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a credit card with capitol one bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX  and XXXX  have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the XXXX XXXX XXXX because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX - I filed a fraudulent dispute when several transactions posted on to my account from XXXX XXXX 

I called between XXXX XXXX about the status of the claim and was told I would get credit that Friday from those transactions. 

I called again XX/XX/XXXX, and was told it was still pending ... 

I have not received any documentation from US Bank regarding my claim - and it has been over 45 days and my account is still negative. 

I was told credits are posted in 10 days from the time claims are filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: DE

Complaint narrative:
I have a credit card with XXXX XXXX XXXX with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX  is the only one that has removed this account from my credit report, Equifax and XXXX have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: DE

Complaint narrative:
I have a credit card with XXXX XXXX bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX and Experian have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.

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 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 between XXXX and XXXX ET, I received notification from Wells Fargo that my personal and business checking accounts will be closed due to unauthorized money transfers into the accounts. I was also informed that I may not  make any withdrawals from these two accounts and that the debit cards linked to those accounts are deactivated. On XX/XX/2018, I went inside my nearest branch to inquire about the account closure. None of the bank employees could provide me an explanation as to why the accounts will be closed and why withdrawals are blocked. I called the XXXX loss prevention number to inquire further and was informed that the unauthorized transaction was a XXXX XXXX   international wire from an individual named XXXX XXXX and that a check of the account balance would be mailed on XX/XX/2018. No more information was provided. I demanded copies of any court orders or legal proceedings and was denied. I can not access my funds for emergency purposes and I have a business account that requires me to refund customers when needed.

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 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved out of the apartment complex XXXX XXXX in XXXX of this year. They charged me XXXX when I moved out for termination fees. I paid the full amount of this on XX/XX/XXXX through their website. About a month and a half later, a collection agency contacts me saying I still owe this amount. I explained that it has already been paid to XXXX and also sent them a letter but they continue to call and send me bills threatening to damage my credit score if I don't pay. I need help dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 {$500.00} worth of virtual currency were stolen from me, using a social media scam. I reported the theft to the company Coinbase, that I had used to transfer the currency. The company responded with an email that said that it was not possible to trace virtual currency transactions, and that transferring such currency was not only risky, but only possible thanks to a complete lack of consumer recourse. I told the company that my rights non-negotiable and then filed a complaint with the XXXX XXXX XXXX. The following Monday, XX/XX/2018, after having received the XXXX XXXX XXXX complaint, the company responded with another email that said it had now locked and disabled my account due to security reasons. This constitutes severe harassment and severe discriminatory practices on behalf of this company. So far Ive lost considerable sums, due to numerous factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. 

Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. 

Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. 

Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. 

On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. 

Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. 

Now my life is shattered, my credit is destroyed, and there is no fix in sight. 

So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
This company lie at every turn. 
I took out this loan at the beginning of XXXX. I was told it was every two weeks. On  fridays. The payments were never taken. They would tske " membership fees '' and not the loan fee which makes no sense. 
Ive called on several occasions with no solutions. I was told memeber ship fee was XXXX but they actually take XXXX. Never on time. causing my account to overdraw. I asked them to stop membership fee and just tske loan amount. It was never done, they have compromised my bank account causing it to overdraw several times. My bank is now involved to stop the ach draft. 
I want to pay loan off by mail never any response. Emailed seversl time for correct address so it csn be recieved and i can close my account. 
This company is predatory loans. The amount is like 120 % interest by claimingthese membership fees outrageous. Please investigate them not just my account but the others they have scammed

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 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I feel very frustrated with the way Navient is dealing with repayment programs. I called several times ( during the limited times a working person can contact a huge corporation ) to find out information and guidance for a deferment program. They asked me the same questions over and over again, and at the end sending me to a general website that did not have all the information and the clear steps I needed to start the process. Every time I was talking to someone, she was in a hurry, always, trying to cut the conversation, leaving me with the sensation they did not want to give me the real or accurate information to start a deferment application. At the end, the last call I made to Navient, I had to tell the lady " No, I'm not done '' I needed more guidance and the address to send the application. She gave me an address I almost could not find online, Why it was so difficult to find an address millions of people need in a desperate circumstance in their lives? I am still waiting for a response on my application, but I'm very disappointed and dissatisfied with their services when I have paid a lot of extra money to my loans. They told me the online application was faster and I could not find the application, nor the way to do it online, considering I am good with the internet. 
Thank you. I just needed to get this out of my chest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Received an alert that someone tried to use my identity to apply for a Chase Bank card. I contacted Chase Bank immediately after and disputed the inquiry. I spoke with Chase Bank SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from Chase stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I was considering a purchase at XXXX XXXX and in order to hold my order they took a lot of personal information. They then opened a store credit card for me. XXXX XXXX then charged me {$6000.00} for something I never purchased. I did receive a credit of {$6000.00} when I complained. XXXX XXXX refuses to close out the credit card. I have requested this account be closed several times. I also do not want it on my credit report as I never applied for the financing as I did not make the purchase.

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 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XXXX of 2018 I was issued a new American Express Corporate Card ( AmEx ). On XX/XX/18, I rented a car and the car rental company charged my Corporate Card. When the statement arrived, I paid the amount in full of {$82.00} on XX/XX/18. 
An email statement was received from American Express in mid-XXXX with a {$82.00} balance. Immediately, I called AmEx to verify payment and they informed me the payment I previously made did not post to the account. After gathering info from my bank transaction, I contacted our corporate administrator and after some research, the administrator informed me I paid the amount to my previous American Express Corporate Card account. 
On the same day, I contacted an AmEx representative, was informed AmEx could not either apply the amount from the old account to the new account, nor are they able to electronically transfer the funds back into my bank account and working with a representative, a check was going to be mailed to me for the balance of {$82.00} from the previous card. 
On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 I contacted AmEx because I did not receive the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX  SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE 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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for credit with XXXX and was told my identity could not be verified. I have contacted Experian several times to ensure there is no security freeze on my report. I logged into their website and verified there is no security freeze on my credit profile ; however, creditors are still unable to verify my identity.

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 2018-07-10 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: OH

Complaint narrative:
I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18

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