vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 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: CA

Complaint narrative:
On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
From my understanding XXXX XXXX XXXXXXXX and Navient has a class action lawsuit filed against both organizations. I am a former XXXX grad. Navient is my student loan serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 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: TX

Complaint narrative:
I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

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 2017-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is 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 2017-08-09 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: TX

Complaint narrative:
I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TX

Complaint narrative:
I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

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 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.

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 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Four years ago I requested Chase Bank NA to refinance my mortgage by reducing the interest rate. I was made to believe that my interest rate was reduced to 1.5 %. But last month I received a notice that my interest rate is going back to 5.5 %. I called Chase Bank, and was told that my mortgage was modified for 45 years. I almost XXXX of XXXX XXXX. My original mortgage is for 30 years and I have been in my house for 13 years. I then started to seek to refinance my mortgage through other Mortgage companies. I received confirmation that my mortgage was extended to 45 years. This is definitely criminal. ***I also received a notice from IRS for not including XXXX for {$10000.00} income from Chase Bank.As a result, I had to pay IRS {$1600.00}. I called Chase and was told that it was savings from modification of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 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:
Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: MA

Complaint narrative:
I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 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: OH

Complaint narrative:
Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you

Company response to consumer: Closed with explanation