vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I 've sent numerous certified to which I get verified back .... the debt collector can NOT validate this debt therefore how can it be reporte. The agency has not done their due diligence and provided me with any valid paperwork. I am uploading the letter sent from merchants credit saying THEY CAN NOT VALUDATE THIS DEBT

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 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When Navient took over loans they had both my Federal and Private loans listed. I accessed the web site and found the loans. I sent payments ( enough for all the loans ) to the new address each month. After approximately a year I got a letter stating I was in default. I had proof of electronic payment. The Navient representative stated that she could not see all loans on my web site even though I could. The full payment was being applied to the other loans and interest and late charges were added to my private loan. The added charges were approximately {$4000.00}. When I asked why they could not see that the payments were applied to the other loans they said could but there was nothing they could do to reverse the charges. I have had to make separate payments since then. Additionally they keep raising my payment. It is like dealing with loan sharks! Original loan was {$22000.00} After almost 8 years my balance is $ XXXX.Their site shows a grand total ( combined loans ) yet they can not service them together!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has an account on my credit report. They have posted wrong information on my credit report in order to extend the time that the trade line stays on my credit report. The XXXX trade line needs to be removed from my credit report immediately.

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 2017-03-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a British Airways credit card from Chase. One of the card benefits is that if you spend {$30000.00} in one calendar year, you receive a companion Travel Ticket. 
To reach this {$30000.00} target by XX/XX/XXXX, I used the card on XX/XX/XXXX with a purchase of {$3500.00}. This made my XXXX total of {$30000.00}. 
Chase states my calendar year purchases only total {$27000.00} and they will not count the {$3500.00} purchase because in their system internally it posted on XX/XX/XXXX. However, the XXXX credit card statement sent to me by Chase from XX/XX/XXXX shows the purchase of {$3500.00} was on the date of XX/XX/XXXX. 
Their Terms & Conditions state " Cardmember must make {$30000.00} in Purchases in a single calendar year on their British Airways Visa Card to receive a Travel Together Ticket. '' The T & C does not specify posting date, only Purchases as defined in a single calendar year. 
I have fulfilled the requirement but Chase refuses to honor my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I made a payment to my Navient accounts and the payment was applied to the wrong account which resulted in Navient reporting that my loans were past due to the credit bureau. This caused my XXXX score to go down XXXX points. I have been working with Navient since XXXX 2016 and the issue still is not resolved. I have requested that my payments be suspended until it is resolved but have not received a response. I have also expressed that this error has caused my car insurance premium to increase due to the negative impact their error has caused regarding my credit score. This is the second issue I have experienced with Navient that has negatively impacted my XXXX score and its required that I spend hours of my time and months to get it resolved. I emailed them again today and provided my old credit report with the correct information prior to the misapplication of payment and the current credit report with the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I authorized a one time charge to my debit card in XX/XX/2016 to pay for personal training services for a friend. I was charged in XX/XX/XXXX and XX/XX/XXXX for these services. I disputed the charges with my bank. I received a copy of a contract that was signed. At no place did it have my signature because I did not sign or agree to recurring charges. My bank ( Bank of America ) told me that they would only refund one charge but would decide in the business 's favor in the other case. They told me to contact the business, which I did. The business told me they would accept any decision my bank made on these charges and they could not do anything on their end. 
Once again I did not sign anything nor authorize any debits for XX/XX/XXXX and XX/XX/XXXX. Attached is the billing dispute form which does not have my signature anywhere. I also did not authorize these debits.

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 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
XXXX has reported XXXX collections on my credit report that do not belong to me. I have contacted them via certified mail so that they will comply with federal laws and disclose information about the alleged accounts but they have ignored my request. 

XXXX never notified me or sent me any type of notice regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.

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 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Went into the PNC bank on XXXX in XXXX on XX/XX/2017, put my card into the ATM went through the steps needed to make a withdrawal from my checking account. It let me complete every process to receive my {$600.00} withdrawal, gave me my receipt but did n't give me any money. Right then and there i told the branch manager and tellers what was going on. The first teller told me to give him a minute and he would assist me. A minute i did give him. After talking to him and filling him in on what was going on he called the branch manager who told me to dispute the transaction. That i did also. My whole thing was, another guy came and the same thing happened to him. Without question they immediately reimbursed the man his funds. If the machine was empty why would they still have it up and running and not have a sign on it. Or why would it let me complete all the steps instead of giving me the error message. I call them this morning to see if maybe they had balanced the machine and they said they have n't. I even asked if we could run cameras back to look at footage that shows me not receiving any funds. They even called in the woman who was " over the money in the ATM '' she simply refilled it and walked right past me to assist another person. They were n't any help and were so nonchalant. At one point in time they even acted as though they did n't see me sitting there in there lobby wanting help. Everyone basically keeps telling me to dispute it which could take time because i do n't really think that my financial institute even believes what happened and time is something that i do n't have. I have my receipt and it says i made a withdrawal from the ATM but they still were n't any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have disputed this company numerous time Discover Bank this account is a fraud account and the account does not belong to me. I have notify the creditor as well as the credit report company and this account remains on my credit report. Again this Discover account does not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: WV

Complaint narrative:
Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent 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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reporting company refuses to remove or delete Not validated information by Creditor within 30 days.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.

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 2017-03-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I opened a new savings account with Ally Bank on XX/XX/2017. I applied online, this was my first transaction with Ally Bank. During the setup, to fund the new savings account, Ally Bank asked for my " other bank '' information, specifically the login ID and passcode to my other bank account with a credit union where the moneys were to be transferred from. Ally Bank also asked for the answer to my security question on record with the other bank. I provided that information to Ally Bank. I would like to find out : is it appropriate for Ally Bank to ask for my other bank login ID, passcode and security question answer as part of setting up a new savings account with them? I also would like to find out if this new savings account is legitimate. I am concerned that perhaps it was not Ally Bank I provided my other bank information to but a fraudulent entity. I believe I have a savings account with Ally Bank, Routing / ABA Number : XXXX, Account Number : XXXX, it was funded with a {$30000.00} transfer from my credit union checking account. The current balance is {$30000.00} with a {$2000.00} transfer in pending. Is this a legitimate Ally Bank savings account? 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 2017-02-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.

Company response to consumer: Closed with monetary relief