vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: AES/PHEAA
State: AZ

Complaint narrative:
I was contacted by a consolidation company. They said they could consolidated my XXXX student loan which was at a 2.5 % interest rate with my XXXX which was at a 6.8 % interest rate. I was very clear I did not want to consolidate if my XXXX loan was going to get jacked up to a ridiculous interest rate. They told me they where going to take a average of my loans and it would all come out in the wash. I was young not good at math and trusted them. What ended up happening is all my loans went to a 5.5 % interest rate. They have been sold and traded hands several times. I have called my loan holders several times and they are saying they can not do anything about the interest rate. One day last year I spent 4 hours on the phone getting directed to 10 different numbers and agencies. No one seems to know who owned my original student loan. I asked them to send me information ... .this has been super frustrating and I have gotten no help. On top of my student loan interested being more than what my old house and car interest was. I am never going to be able to get them paid off and no one seams to have the information I need. I asked them to send me all my paperwork since I have been receiving loans and the attached its all I received ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: PA

Complaint narrative:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act.
Called TransUnion and representative hung phone up on me.

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 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
{$1000.00} Called and kept saying they would take legal action numerous times before even asking to set up payment arrangements. Was verbally abusive.

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 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. 

The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a new Checking account with Key Bank. I had recently moved upstate NY from the city. Two weeks later, the same branch manager that opened my account closed it with no type of notice. I found out my account was closed when I was trying to take money out of my account at an ATM. <P/> XX/XX/XXXX is the day my account was closed and a check was sent to my address with the remaining funds. Customer service over the phone told me there was no reason why my account was closed and I 'd have to ask who opened it for me. On XX/XX/XXXX, I called the bank and the branch manager had me come in to file a declaration of loss. He said he 'd send out a second check now that I 've stopped the first one. On that same day, I clarified if I did not get this second check, what would be the next step? He told me at that point he 'd be able to " emergency release the funds. '' Each time I visit this location I learn something new about my account. When I went to the branch on the XX/XX/XXXX, a representative said my account was closed because I did n't give proof of residence via mail. I was never told this information nor did I get this letter requesting my new address. On the XX/XX/XXXX, the representative told me I had to wait 90 days after my first check was dispersed. Why then did I have to go in and sign a declaration of loss if it did n't speed up ANY process? <P/> It is now XX/XX/XXXX  and this check is still nowhere to be found and I continue to get the run-around. I plan on going back to the branch this weekend in hopes the manager is there since he was n't both days I went in this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have had to close multiple Synchrony Bank accounts for problems making payments. I had to close my Sams Club card and Old Navy bank. I make payments through my bank account and with the correct account number. The checks are cashed and then not credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MT

Complaint narrative:
Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company  XXXX   XXXX ,    2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  Jefferson Capital System LLC, again  without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a few addresses in my report that are incorrect and i would like for you to dispute them. I have never lived on those addresses and are effecting my credit.

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 2017-07-14 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened on XX/XX/XXXX. Both have the balnce of {$2000.00} ( see attached screenshots ).
2. Both of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
<P/>
Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: U.S. BANCORP
State: NM

Complaint narrative:
I made a purchase on line to a trial merchant the items was eye cream & Face cream. the items did not work out and I called and canceled with in their time frame that was given to the costumer, their was to only be a charge for shipping of each item through the same company but separate shipping cost. One was {$4.00} and the other was {$5.00} but after I had canceled they must have immediately shipped out more product and when that was delivered to my address I checked my credit card charges on line and discovered They charged to my Visa credit card through U.S.Bank {$89.00} & {$86.00} for the initial shipment pulse {$92.00} that I had received on  XX/XX/XXXX . I called the company and told them I had called and canceled within their time frame and should not have been charged, and that they had sent out & charged another fee of {$92.00}. I then called the U.S.Bank visa credit card company and explained it all and said I was disputing the charges & I 'm fighting the credit card.

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 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.

Complaint narrative:
I have been getting phone calls from nco financial for months now starting in XXXX of 2016 I have answered some their phone calls and called them back telling them that I have resolved the situation with my bank and requested that they stop calling me, I am now making the minimum payments to my bank to pay off the debt, yet they still call me everyday from XXXX to XXXX, I spoke to one representative and they told me that I should " suit up '' i would like to stop getting phone calls multiple times a day, every day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting false, incorrect and inaccurate information to all three ( 3 ) credit bureaus. They have a total of 3 bankruptcies on my file. I 've never filed bankruptcy. Let alone 3 of them! They claim they received the information from the courts. The courts do n't verify or release any information. ( Privacy laws ) LexisNexis never verified any information they are reporting on me. They are making profit off of false information and it has had a huge impact on my life. It 's against the law per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank XXXX/XXXX/2017 - I have closed my bank account back in XXXX XXXX at Capital One Caf Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( 1 hour driving from my house ) and they told me that I will receive the remaining balance in my account by check in my house in a few days. This whole process took more than 1 hour.
<P/>
XXXX/XXXX/2017 - I did n't receive my money yet, so I called to Capital One ( XXXX XXXX XXXX ) to ask for information. They apologized and informed me that my check was sent to my wrong profile ( confirmed was their mistake during the call ) address and I should get a new check in 5 business day. Their ticket number : XXXX ( Security Number ) for tracking purpose. Was wasted another hour on the phone with.
<P/>
XXXX/XXXX/2017 Once more, worrying about my money I called Capital One. I explicitly explained to them I need that money to pay my bills. They apologized again, and they have raised my case to " high priority and the new time given was 2 or 4 business day to get the check.
<P/>
XXXX/XXXX/2917 Tired to wait for my money, I was calling their support for the fourth time to explain the whole situation again and to ask where my money went. Then Capital one support representative wrongly transferred my call to Capital One 360, and their representative wasnt able to help because theyre a different bank not able to help and finish the call. As you can see, Im super frustrated since I dont have my money yet and some bills are already due because of it. I need help to solve this as soon as possible. Moreover, I should not be BEGGING to have my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.

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 2017-07-14 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There are numerous charge back and return fees on my credit card. I had let a friend use my amazon account but she paid with her credit card and now bc of differences between use she went to her bank and got a charge back on mutable purchases. And a check she wrote out to me in my bank account my credit and bank accounts are all messed up because of me trusting someone to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I have a collection account on my XXXX, XXXX, and XXXX credit bureau file from a company named IQ Data International, account number listed is xxxxxxxxxxxxx XXXX. Please be advised that I am disputing this information due to the fact that IQ Data International does not have a valid license/is not bonded in the state of Texas to collect debts. This information states their license/bond is currently " non existent '' according to the Texas Secretary of State database of license/bonded debt collectors.I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated. <P/>
XXXX XXXX xxx-xx-XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
<P/>
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened onXX/XX/XXXX. XXXX have the balnce of {$2000.00} ( see attached screenshots ).
<P/>
2. XXXX of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: NY

Complaint narrative:
XXXX   XXXX  -  XXXX  Hard Inquiry from  XXXX   XXXX ,    2015  through Equifax Never Gave my consent for a hard inquiry and do n't even have an account with them.

Company response to consumer: Closed with explanation