vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was pressured into student loans by XXXX for a for profit school that is no longer in business. I was XXXX at the time of the initial conversation. My step father consigned. The loan was initially for XXXX dollars, and 12 years and XXXX dollars later the amount due is at XXXX dollars. The education I received from this loan has not benefitted me at a single point in my life and making payments on the loan have caused me to make decisions in life I would have not made should the loan not never existed, and I blame my XXXX on this financial burden. XXXX has robbed me of my livelihood and continue to rob me of the money I work for to this day. These loans have also caused serious tension between my parents and I due to my inability to pay at times. They do nothing to help except offer forbearance. And they only ever day " these are the terms that were agreed to ''. This company has successfully crippled an entire generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a 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
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, 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 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!!

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 non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.

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 2017-03-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016. 
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. 

NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus. 
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve. 

Hence, because of this absence I am unable to file a small claims suit against them. 

Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. 

Best regards, XXXX. 
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice

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 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. 
I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. 
I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! 
When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! 
I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. 
Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. 
I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation
State: LA

Complaint narrative:
I charged {$6.00} to my checking account on XXXX.The charge was never presented or declined at my bank. I was put in collection by Telecheck and TRS who began to threaten me with late fees. I contacted XXXX who said I did not owe them anything that the item was paid for. I contacted my bank with the Trace ID and they said nothing had been presented or declined. 

The outgoing message on TRS voicemail asks for Social Security numbers and copies of drivers licenses which I believe is against the law. All calls to Telecheck are routed to TRS so they are the same company but not disclosed to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RICHLAND HOLDINGS, INC.
State: AZ

Complaint narrative:
Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my XXXX credit card account ending in XXXX on XXXX/XXXX/XXXX without providing me any advance notice. The problem with this is that I had earned XXXX points from purchases made with this card that were frozen that day and subsequently removed from my rewards account. These points had a cash value of {$430.00} ( XXXX cent per point ). I had no advance notice allowing me to use these points before they were revoked. In fact, I found out about my account closure by logging into the wellsfargo.com banking system and discovering it myself. A letter dated XXXX/XXXX/XXXX was mailed to me AFTER the account had been closed with the reasons cited as : Over Six Months Account Inactivity XXXX or more credit inquiries in the last 2 years on credit report Insufficient length of time accounts ( s ) on credit report has been established This card was opened on XXXX/XXXX/XXXX and had been used as recently as XX/XX/XXXX, which was just over 6 months prior to the date they decided to unilaterally closed my account without advance notice. The other reasons cited for the closure are far from anything unusual and should not have resulted in any adverse action by the bank. I was also planning on using this card for upcoming travel, where I would be able to take advantage of an annual {$100.00} airline fee reimbursement credit included with this XXXX card 's benefits. 

When I contacted Wells Fargo, they said that they would not reinstate my rewards points nor would they re-open the card without me applying as if I was opening a new card ( recquiring a credit inquiry ), but I pointed out since they just closed my account due to vague credit activity, it was unlikely they would approve me for a new account. 

I believe that the state of California prevents a bank from closing a credit card that results in the loss of rewards earned without providing advance notice to allow the account holder to use those rewards. Please at least help me get my XXXX rewards points or a check for {$430.00} from Well Fargo. I would also prefer to have the account re-opened w/o incurring any credit inquiry activity, as I have also lost the annual {$100.00} airline charge benefit without being able to use it. Failing that, I also want a {$100.00} airline fee reimbursement credit to be provided to me by Wells Fargo. 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: Balance transfer fee — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation