vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have a loan that was disbursed on XX/XX/19. We were unsure how much we would need to cover all of our costs, and as has happened multiple times in the past, and thus ended up having more money than we needed. As we have every time this has occurred, we paid the excess money back to the loan within the first 120 days. We have had multiple conversations with Nelnet, our loan servicer, over the years when this has happened, to please apply 100 % of the money we repay to the PRINCIPAL of the loan, as we are not actually borrowing this money, but repaying money we did not need to borrow. On XX/XX/19, within 120 days of the disbursement of the loan, we repaid the money we received in excess of our needs, making a payment if {$7300.00}. They applied the majority of the payment to the principal of the loan, but they applied {$270.00} to interest. I have contacted them and requested them to immediately apply this amount that was incorrectly applied to interest to the principal of the loan, as per all of our previous conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the past the XXXX XXXX dept. WAS ALERTED IN DIFFERENT WAYS ... 
Have latest XX/XX/XXXX paid rent {$450.00}? got confirmation yet the bank should be fine it didn't go thru and never alerted me.i had signed up for alerts.had to repay. 
He past chase banker allume gave me 3 cards and spread my money on 3 cards when I should of got 1.also when I went to another branch to look into it.he a XXXX male took my Id and keep it.etc

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I was taken to XXXX XXXX XXXX XXXX on XX/XX/2018. Because I was unresponsive the lady at registration put in the wrong in formation, instead of XXXX XXXX XXXX she put XXXX XXXX XXXX. On my insurance card was XXXX XXXX XXXX. So after I got better everything was clear between the insurance and the hospital. Everything was paid the same day of service XX/XX/2018. Until this day I have a bill for {$610.00} that I do not owe. My insurance called this collection agency and they did not fixed it. It still there two years after. My credit score went down. I mailed the receipt of payment and nothing, to the collection agency and credit bureaus. And still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. 
Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX  Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG   PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have requested to remove my name and close any accounts with American Express as an authorized user for this account and it is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Filed a complaint ( see attached 1 ) with XXXX and Capital one came back and said that they have resolved the problem ( see attached 2 ). Tried logging in and still the same issue as before ( see attached 3,4,5 ). There was a phone number to call if I had any problems and I did and got a voice mail, no one ever called back either. I am sick and tired of this company holding my account hostage for no apparent reason. As previously stated, this is the only company that says my phone is not in my name, a XXXX or XXXX phone number, not billed to me, or is a XXXX phone, now the billing address could be different because I did move in 2018 and my old address might still be on Capital One as my old address because I have not been able to get online to change any of that. However, it is strange that I got a statement from them to my new address ( see attached 6 ), so how did they know it had changed if it is different than the address on my phone bill? I have also sent letters to the CEO and the general communication mail address ( see attached 7 )  Going to try this again and if it doesn't work, then I am going to file a complaint with the TN AG and also try and find me a lawyer that will take them to court for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: VA

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-11-06 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
Ford is on my credit report and it should not be. This was not my loan. I have tried to get this taken care of by multiple disputes with the credit bureaus and directly to Ford. I don't know why this is still there. I have tried over and over and over again to get it removed and it stopping me from moving on in my life. 
Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I have had insurance since i was younger. I do not owe any medical debt and have tried numerous times to get this removed by contacting the collection agency, and the 3 credit bureaus. Still nothing. Time after time and they won't remove something that is not mine.

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 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: eCon Credit LP
State: GA

Complaint narrative:
This debt does not belong to me. Please remove it and block it from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America sent my debit card to the wrong address intentionally and stole my card. When I went to file a complaint they ignored the complaint even after I filed it. Then when my deposit came they credited my account XXXX. They then switched my complaint from fraud to dispute stupidly and maliciously in order to repocket my credit as a dispute investigation gone wrong. They tried to steal my rent on purpose and I want my account fixed and the negative XXXX. To be reversed and someone from management ( the President ) to contact me to fix it cause you dont switch fraud to dispute after you file it as fraud. They admitted to sending it to the wrong address and trying to keep my funds. It was never a dispute. If I never got the card it is fraud but the day before my deposit they put this negative balance in my account trying to make me homeless. I will fight back.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/XXXX : I contacted Banana Republic XXXX regarding an Amazon charge for {$16.00} that I did not make. They informed me, they would have to cancel this card, as the charge was possible fraud. I informed them of an upcoming trip to NY on XX/XX/XXXX. And asked that the card please not be closed as I was traveling with my son and only have one card. They assured me the card would not be closed and to call back upon my return home. 

XX/XX/XXXX : XXXX hours into my XXXX XXXX XXXX I stopped for lunch, where my credit card was declined. I called Banana Republic XXXX customer service who informed me that my card had been closed. They could not reactivate. And I would receive a new card in 7-10 days. I stressed to them that No one mentioned this to me. I was 2+ hours away with my XXXX year old son. No other credit card. And only a bank card ( no logo ). 

I arrived at the hotel. I needed to call a family member to supply me with a credit card for a security deposit. Luckily this was an option for me. 

XX/XX/XXXX : I called banana republic visa to inquire about my card. They said they could resend a new card in 7-10 days. I told them this was unacceptable and asked it to be expedited, no response back. 

XX/XX/XXXX : I have still not received my new card. I called banana republic and asked that my card me overnighted. They refused, stating they do not do this. They offered 3-5 business days, to arrive on XX/XX/XXXX. 

I am completely disappointed with the companys lack of handling this situation. The misinformation given on XX/XX/XXXX could have left me and my son stranded XXXX hours away from home. If I was informed on XX/XX/XXXX that the card was going to be closed I could have made other arrangements, but this was not the case. 

The answer I received from banana republic visa customer service was figure it out. If the hotel had not let me in, I would have had to turn around and journey another XXXX hours home. 

It was scary to be placed in this situation being so far from home. The responses I received from the customer service team and the lack of willingness to help was unacceptable. This has been my main credit card I use for daily purchases, my card is in good standing, and I am disgusted with the way this was handled.

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 2019-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I do not want my name, address or state published. My wife and I are members of Navy Federal Credit Union 37 years now, I am retired XXXX, and 100 % XXXX with the VA for XXXX and other medical ailments. in or about XXXX my wife and I got way over our heads in dept and had to file bankruptcy. Navy Federal Credit Union was one of our creditors that took a loss. From XXXX to XXXX Navy Federal has told us we can only have a checking and savings accounts, no visa, no loans of any kind! In XX/XX/XXXX we found out about the VA XXXX loan refinance which would have been great as our present loan was at 4.625 %. We contacted some banks to get the lowest rate well Navy Federal Did? 2.7 %, at 2.5 points, Balance on our present loan was {$400000.00}, Navy Federal said we did not need to pay any money upfront all would be rolled into the loan so the total we had to refinance would be {$420000.00}. My wife and I asked several times over the past 30 days did Navy Federal Change its policy IRT members declaring bankruptcy and Navy Federal taking a loss? We were told yes? We filled out all paper work submitted it, we received notification that our POC in the loan dept was? we contacted the individual and received an out of office reply that he just started his two week vacation? So after complaining we were assigned a new individual, we worked with him for the remainder of the 30 day period and he was a supervisor, he informed us around the XXXX of XX/XX/XXXX that we would close on XXXX XXXX XXXX up until XXXX XX/XX/XXXX my wife and I heard nothing further on closing, so we contacted our NFCU loan rep and he stated we are still waiting for your mortgage company to send us the payoff amount? We will have to close sometime next week? So XXXX XXXX to XXXX XX/XX/XXXX we hear nothing? then on XXXX XX/XX/XXXX at XXXX in the afternoon our NFCU loan rep calls us and says after our underwriting did a final check a red flag came up on your account that 22 years ago Navy Federal Credit Union took a loss when you filed bankruptcy and it is NFCU 's policy that we can not make any loans due to prior loan loss. so I told the NFCU rep we were totally disgusted and have been led on by the banks inattention to detail, Providing my wife and I with a false hope of getting an IRRRL loan for over a month, we fully disclosed everything about our bankruptcy, but the banks excuse is we apologize it was an unfortunate oversight on our part? My wife and I both have credit scores at or over XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: VA

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX. 
XXXX  XXXX  XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation