vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Over several years, Navient has used harassing tactics in attempt to collect a student loan debt. Last XX/XX/XXXX, they called several times before XXXX asking for a payment I had already submitted. 

I preemptively called and informed them that due to personal circumstances, I nor my guarantor was able to make XX/XX/XXXX 's payment by the due date ( XX/XX/XXXX ). I stated that I would be able to pay it by the first week of XX/XX/XXXX and the representative stated that there was nothing they could do. I asked that they at least notate the payment would be late and they refused. 


I received a call XX/XX/XXXX at XXXX requesting payment, during which I informed the representative that I would be remitting payment shortly. I completed the payment XX/XX/XXXX, receiving a confirmation number and seeing the deduction from my bank account. 

Today, XX/XX/XXXX I received 3 separate phone calls from the number XXXX. One at XXXX, one at XXXX, and one at XXXX. I answered the third to discover that it was a Navient representative calling to say they were trying to collect the XX/XX/XXXX payment - the one I had already submitted. I explained that to the representative, who used the computer system to verify it. She said she would make a note that the payment was there and to stop the calls. I asked her to please check for payments before calling - especially 3 times back to back. She became argumentative, stating there was nothing she could do about it and that I should just make my payments on time. I explained to her that this has happened even when I made my payments on time and she became more argumentative, talking over me, and unwilling to hear my position or take responsibility for repeatedly calling me under false pretences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2019 XXXX XXXX advertised the sell of a 3-day pass to the XXXX event page for the XXXX XXXX XXXX XXXX in XXXX, GA under the fake account name of XXXX XXXX. I contacted him over XXXX XXXX to purchase the tickets and he offered me the 3-day pass for {XXXX} and gave me his PayPal account information ( XXXX XXXX, XXXX ) to transfer the money and asked to send the transaction as " Family and Friends ''. I sent him the {$80.00} through PayPal and he told me that he would send me the tickets to my email ( XXXX ). After 30 minutes of not receiving the tickets, I messaged him again and he again assured me that the email was still processing since he had to change the ticket holder information before he could transfer them to me. After 45 minutes of asking him for the tickets, he blocked my XXXX account so I could no longer contact him nor see his information. I immediately called PayPal and issued a dispute for the transaction, but on XX/XX/2019 the dispute was denied by PayPal. I never received the tickets and a total of {$82.00} was withdrawn from my account. 
I would like to dispute PayPal 's review of the transaction as I immediately contacted them and issued the dispute for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I booked a XXXX XXXX XXXX XXXX property ( XXXX XXXX XXXX XXXX XXXX ) over the phone with Amex Travel back in XXXX last year ( Itinerary for XXXX/XXXX  XXXX XXXX ), when it was the time all the properties are not bookable online and you have to call the reservation in order to book. 

I canceled the reservation on XX/XX/XXXX ( before the free cancelation deadline ) so I'm supposed to receive a full refund of {$240.00} charged on XX/XX/XXXX to my platinum card ending in XXXX. However, up until today I still haven't received the refund and every time when I called the same reservation center, they weren't able to locate the reservation in the system and only told me to wait for a few more billing cycles. 

I don't think I'll even be able to receive the refund due to the Amex 's faulty system, I'd like to escalate this issue so it would be properly handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My wife and I are being defrauded deliberately by a system that provides inaccurate reporting. In any other society this would be a crime but evidently not in America. That incorrect data is used as a basis for considering lending. In this case a mortage but this has impacted us for years as your multiple reports and complaints indicate. You have done NOTHING as an alleged protection agency to do anything about this hence under known definition of law you serve in my opinion as an accomplice to the crime. Yes it is a crime if that data is incorrect and you knowingly submit it. As for the banks- A number of accounts have XXXX  balances. This reporting entity as all the others use this cop out- '' error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to XXXX to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. '' This is the essence of what be believe a scam to increase profits and keep citizens indentured. Now please do not send me an email " this seems like a previous complaint '' - IT IS! they do not even read them or if they do have no evident capability to comprehend what is wrong. Now to boot- we have asked all the creditor to submit a fax to all agencies with the correct zero balances. Some have done this weeks ago but just now the old balances were posted. IF these were not scams why isn't that done? Sadly, you all claim to be honorable and capable. In my opinion on each count evidently not even close. OH and learn how it works- are you for real! Finally how about fixing your auto fill that does not work. Is this maintained off shore as well? Unbelievable even your correction review does not work! Lets see if you even read this? THERE IS NO XXXX. MIDDLE INITIAL OR XXXX. IN MY WIFE 'S [ FEMALE ] NAME!!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The account was paid in full and was to be removed from credit report. Medical is not credit and if paid can't stay on report. They didn't extend credit they didn't have a payment plan nor interest. No a signed agreement to pay. There for it's required to be removed completely. I have disputed this with Equifax over 65 days ago with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
Bank-USAA XX/XX/XXXX, my money ( {$240.00} ) was taken from my checking account in an auto draft for payment towards my credit card account. The amount of {$240.00} was never credited to my balance, and I have called and gotten hung up on twice, as well as had 3-4 chat conversations with help agents. One of the agents said that they would open an investigation of sorts to see why my payment hasnt applied. They said it would take 2-10 business days. I have waited  and have not been contacted at all by USAA neither through phone calls or emails. I have proof that it was taken out on the XXXX, and a letter from USAA themselves saying that they are taking the money a week before the charge went through. 

As it stands now, I have another auto draft coming on the XXXX of XXXX and I am wary of losing more money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I provided account information which showed debt was paid. To credit Karma. 
And it still is showing as 2 doragetory statements. Hospital bill {$500.00}. And {$300.00}. I sent authorization numbers and account paid numbers. 

And it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: PA

Complaint narrative:
To whom it may concern, Four or five years ago, I refinanced my home mortgage with XXXX XXXX XXXX XXXX located in XXXX. They sent out the appraisal company of their choice. That appraisal was at {$250000.00}. That refinance was approved. 

Last month, I was contacted by an agent from Nations Lending Corporation out of XXXX XXXX. I had worked with them in the past. They were offering another refinance at a lower interest rate to combine my current mortgage and home equity line of credit. 

After completing all of the requirements, they sent out the appraisal company of their choice. The day of the appraisal came and I met with the female agent. She was very negative, asked me many questions, some of which seemed very irrelevant. I had to pay {$500.00}. for that appraisal. 

I was asked to submit a list of all or any home improvements that I have done to the home. With in the past two months, I replaced my roof for {$20000.00} It is metal with a lifetime guarantee. The appraisal came back at {$190000.00}. 

I was told that due to " lower value appraisal '', they could not provide me with services for the refinance. I am now out of {$500.00}. I was told that the real estate " market can fluctuate ''.

How can my home 's value go from {$250000.00} down to {$190000.00} in less than five years? That is a loss of {$65000.00} in value and equity. Plus the fact that I had just added a brand new roof.

I have been unfairly represented in this process. I am requesting that my {$500.00} be refunded. 

Thank you, 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 2019-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
WENT TO HOME DEPOT ON ABOUT XX/XX/2019 AND TRY MAKE PURCHASE THAT WERE DECLINE..COMPANY VIOLATED " FCBA AND Truth IN LENDING ACT WITH FAILURE TO SEND NOTICE THAT CREDIT LIMIT HAS BEEN REDUCE FROM $ XXXX TO $ XXXX WITHOUT ANY CAUSE..THIS HAS CAUSED SERIOUS HARDSHIP WITH ACCOUNT USED TO HELP DISABLE VET TO REPAIR HOME..AND IT HAS CAUSED MY CREDIT SCORE/ DEBT RATIO TO DROP SIGNIFICANTLY, I HAVE BEEN A LOYAL CUSTOMER FOR OVER 15YRS AND NEVER MISSED ANY PAYMENT AND ACCOUNT ALWAYS BEEN UNDER 30 % USAGE AND ACCOUNT CURRENTLY SHOW MAX OUT LIMIT

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 2019-05-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I've had a car loan with XXXX XXXX XXXX XXXX since late XXXX. Since XX/XX/XXXX, they continue to report my account as past due even though I have provided documentation over and over again that I have never missed a monthly payment in that timeframe. I've submitted dispute requests to Experian and XXXX, but so far those efforts have been futile. I have uploaded documentation here yet again showing that I am on-time with my payments despite my credit report continuing to show that I am 30-59 days past due.

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 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MA

Complaint narrative:
I was mailed a letter from Rent Recovery Solutions LLC in reference to a debt, I read the letter and responded within 30 days, upon checking my credit report i notice a negative item on my report stating i owed money to a company which was put on my credit before i got a response back. I was never notified by the collection company that i didn't have to do business with them. ( this a form of Extortion ) I tried to get a validation of the debt and received a letter with no signature of mine which is not an official verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Every time I trying to spot for credit card or loan it said my credit is really bad so how can I got my credit back. I dont really the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I was losing my job, I called the XXXX XXXX and told them I was losing my job they told me If I turned the car in it would not be on my credit. because it was a voluntary repossession the cars was in great shape. 
if you look on my credit I was never late, was on time .. but I new I could not afford the car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Card was reported on XX/XX/2019. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I made a purchase at Home Depot and when I checked out I was asked by the cashier if I'd like to open a Home Depot account. I was under the impression it was a store rewards account when in actuality it was a credit card account. This was especially misleading because I had to swipe my current/existing credit card when I checked out which I thought was paying for the purchase but apparently they just used the info from my existing account to open the new HD credit card account and automatically charge the purchase to the new account. None of this was effectively communicated to me by the cashier so I had no idea what had just happened. Furthermore, I never received a credit card in the mail and I never activated a card from Home Depot or CitiBank. Now, 45 days later I'm told I have an overdue balance and my credit score has dropped 84 points all because of something I didn't even know existed until I received an email from XXXX XXXX notifying me of the change in my credit score. This practice by CitiBank and Home Depot is deceptive and down right shady. I'm sure others have experienced the same thing. They are playing games with peoples credit scores and livelihood. Both CitiBank and Home Depot should be ashamed of themselves for using such duplicitous business practices.

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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has charged me overdraft fees multiple occasions on items that have already hard posted on my account even when I still had small funds remaining on the account. 

When I ask them about the fee they are hesitant to reverse the fee and give the excuse that items that are still pending caused the item that has hard posted on the account to put me in overdraft. 

One instance was :XX/XX/2019 : Item A for {$9.00} hard posted on the account from XX/XX/2019. That is the only transaction for the day and the end of day balance is {$.00}. 
XX/XX/2019-XX/XX/2019 : Item B for {$10.00} is pending. Multiple cash and money transfers between WF accounts with the same account holder totaling {$50.00} is pending to cover transaction. 
Balance : {$40.00} pendingXX/XX/2019 : {$35.00} Overdraft charge for Item A insufficient funds. 

I have called multiple times about this and they always give me the excuse that the pending transactions are affecting the balance to cover the already hard posted transaction which makes no sense. 

I would understand if I get overdrafted for a pending transaction and if I didn't make multiple deposits to cover it but for me to get overdrafted over something thats already posted on the account and with my account still in the negative before the overdraft is ridiculous. Not only that, but the fact that they always try to make up excuses on how they went back to charge me for something thats already posted on the account and for that account to have money in there is no excuse. 

This has happened multiple occasions and I've let it go multiple times but enough is enough. The way they structure their fees is borderline illegal and I feel like I'm being milked my money! 

With Wells Fargo being in deep waters with all the fraud going on, I'm surprised they're not doing due diligence to make sure things like this don't happen.

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 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had applied to Experian a credit report business that gives many services in line with credit scores and reports.I had not completed the application and was waiting to and after so much time in weeks they put on a charge of {$23.00} on my XXXX debit card.And they caused me to now have bad credit.All that time and they decided to get a transaction not authorized.I would like a refund of my money of {$23.00} and they gave me {$3.00} back after I complained.

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Many issues with Flagstar Bank : 1. We purchased a home with the builder of our home and closed on XXXX XXXX. 
2. The loan service was XXXX XXXX. 
3. We paid our mortgage ON TIME. First loan payment was XX/XX/XXXX. Second payment was onXX/XX/XXXX. 
4. WITHOUT BEING TOLD ( we did not receive a letter from XXXX XXXX ), they " sold '' our loan to Flagstar. First time we were notified wasXX/XX/XXXX by Flagstar Bank that they had our loan. The letter stated we owed them for XXXX AND XX/XX/XXXX payment. 
5. I immediately called XXXX XXXX and Flagstar Bank. Both had a descrepancy on the " loan sell '' date. XXXX stated XX/XX/XXXX, therefore they keep my XX/XX/XXXXpayment, and Flagstar stated it was XX/XX/XXXX, therefore they keep my XX/XX/XXXX payment. 
6. Flagstar then proceeded to tell me to " double pay '' my mortgage. And that way they will " reimburse me '' when it gets settled. I told them I am NOT interested in paying a double mortgage, when the FAULT IS THE INSTITUTIONS. Not mine. 
7. I have several documents showing the exchange, my payments, etc. 
8. I then receive a confirmation email by XXXX XXXX by Flagstar Bank on XX/XX/XXXX stating that she received an email from XXXX stating that they will receive the payment and she was " sorry it took so long to resolve the issue ''. 
9. They still have not fixed the account. I have been paying the mortgage every month and writing them a confirmation # that the mortgage I am paying is for the on-time month payment, since they have NOT fixed my account. 
10. This has affected my credit.

11. Additionally, they are saying that I owe them money now for home owners insurance and property taxes WHICH HAVE BEEN PAID and I have sent them documentation of proof. Additionally, I have a PMI wrapped into my mortgage payment and they are saying I never paid that and that they were taking it out of my escrow. Which is FALSE. My mortgage payment is with the PMI of {$320.00} built in for a total of $ XXXX/month that I pay. Now they want me to pay them an additional {$3100.00} because they said I never paid them. 
12. I am on the phone with them at the moment, and they said that their internal departments DON'T SPEAK TO EACH OTHER and therefore they have no proof of payment nor email exchanges, nor that there was a previous lender. 
13. THIS FEELS VERY PREDATORY.

14. I pay all my bills on time. I am very responsible. I work very hard to provide for my family and my community as a XXXX. I have now spent over 80 hours of my time in the last 3 months to resolve their institutional problems that is AFFECTING MY CREDIT AND MY BANK ACCOUNT.

15. Please help. This is just unacceptable.

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