vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I've never been able to make a single student loan payment. Their records show this. I've tried on multiple occasions to apply for income based repayment plans or loan forgiveness and have always been told I " make too much '' to qualify. However, they always extend the option of forbearance which is counter productive and adds more money to loans I already can't afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I received a fraudulent charge on my HSBC credit card in XX/XX/XXXX. I  signed an affidavit saying that the charge was fraudulent. 3 months later I get a letter saying the claim was denied. Although the whole time theyve been racking up the fees and decreasing my credit score. The original charge was for {$79.00}, my bill including late fee is now about double that and my credit score has decreased over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Re : Chapter XXXX Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Again I never paid or walked into court for such a matter and by law it does not exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: NC

Complaint narrative:
I am filing this complaint because my husband and I had a joint checking account with Capital One. The joint checking had a reward program which Capital One no longer offers anymore. Capital One was supposed to send a check in the mail to us regarding the reward program. We did not received anything regarding this reward program. My husband place a called and spoke with a representative they told him that it was mailed to a XXXX XXXX address. Prior to this phone call with Capital One allegedly mailing this off my husband had change our address two years prior to mailing it off and they could not explain to us why they mailed to an address that we no longer live at. The representative was not sincere in the matter and could not rectify the situation. At this point we felt that Capital One has bamboozled us and lied to us about mailing something they never intended to mail in the first place. Yes we know the account with Capital One was left in the negative but we still want to know what happen to the money that was supposedly mailed off that we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I applied for a Home Equity Line of Credit with Chase Bank and was given a loan number. The process got underway and over the next several weeks I provided all the documents required for the approval process to move forward. I provided several years of paycheck stubs, W-2 's for the last 2 or 3 years, last 2-3 years of official Tax returns as well as homeowners insurance, property tax statements, investment property documents among many other things. All along the same time my Tax Attorney & Tax Accountant ( CPA ) provided me guidance and gave me no reason why I would not be approved for a HELOC. The home was appraised at over {$630000.00} and I owe just over {$310000.00} on the home to the bank which gives me just at 50 % equity in my property. I was approved by Chase for {$180000.00} HELOC which is roughly what was allowed by lending guidelines for me to get as a loan. Long story short is that I was contacted by the bank on XX/XX/2019 and was told by XXXX that they could not extend me a HELOC due to my income to debt ratio. I make about {$130000.00} per year in income from my employer, have about {$8000.00} in rental income each year and have equity in my home as well as all my other investment properties are completely debt free. I have no other debts, no credit card debt, no automobile loans at all and have a FICO credit score of XXXX. When XXXX contacted me about this and gave me the news that Chase could not extend me a loan ; I pushed back and disagreed with the decision. I pushed back even further and told her that if Chase could not extend me a loan then I needed Chase to send me a letter stating such and why as well as send me all the paperwork that went into the decision as to why I was being denied the loan. I then got a call from Chase today XX/XX/2019 where they further explained their decision but after further review they were going to extend me a credit line of {$28000.00} or so. I find this really hard to believe that with my credit score & equity in home that the bank can not provide me access to my own equity in my home. I believe I have been deceived by Chase Bank as their own employees can not agree on what I qualify for by changing their position after I pushed back at the initial decline of credit. I have not received a loan decline letter yet but should receive this shortly. I am not sure if why they would not loan someone with great income, impeccable credit score and no debt other than my primary residence a loan but something is not right about this. Is it because I am a Veteran, is it because of my age, I don't meet their " quota ''? I plan on finding out the answer and will not pursue this matter to the fullest extent of the law and will spend money to prove it to myself or them as to who is right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: ME

Complaint narrative:
My loan went into default with ICR. I have called several times to set up repayment plans. They are taking 15 % of my pay and are telling me that they will ocntine to do so and then will charge me an additional monthly charge that they get to decide. They take {$500.00} a month. I am unable to maintain that payment let alone another one from them. They told me to go out and get a loan to pay it off, but i can't because i am in default from them. They hang up and never respond back and are unwilling to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had file an application for a first-time home buyer with Wells Fargo bank online. I had spoke with a lender and he said that a local branch would be able to help me more because of the down payment assistance and more options. So I contacted XXXX XXXX by email and told her what the other lender told me and if she could look into my application. On Tuesday, XX/XX/2019, she responded and said Sure, and asked for my phone number. I replied with my phone number, and then she called me. She asked me how she could help. I told her that I filled out an application and what the lender said. She said she would be able to help me. So then she asked me how much did I have saved. I told her that I have {$500.00} saved right now. Her tone had changed and then she was rude and condescending. She told me to ask my mother, or my brother or someone in my family to help with {$7000.00} or {$8000.00}. She said for me to call her when I had {$7000.00} or {$8000.00} and then call her back. She didn't discuss with the information on the application I had. She didn't ask me how much was the house I was interested in. I am XXXX, so my only income was Social Security and XXXX XXXX voucher. I think she felt I didn't have enough money, I felt discriminated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by a representation from an international film production company ( XXXX XXXX ) based in XXXX who said they found my contact information on a resume listing website ( XXXX ) and was hired to work as a XXXX  XXXX  for an upcoming job. I was sent a contract, script and other relevant information regarding the upcoming job. When they hired me, they said that they would be sending a check to my house for {$4900.00}. That check was meant to include my day rate ( {$1400.00} ) as well as petty cash for expenses that I would need to complete as part of my job. They sent the check to my house and asked me to deposit it into my account at Bank of America. I deposited the check and waited until the funds cleared and were made available to me, thinking that once the funds were available, that meant that the check was good and that the funds were in my account. I was in communication with the representative via phone and he directed me to send payments to a number of different vendors through XXXX ( Bank of America 's cash transfer app ) and XXXX XXXX ( XXXX XXXX. cash transfer app ). Under his direction, I sent {$2400.00} through XXXX to the vendor he provided. Then I sent a few payments through XXXX XXXX to another vendor ( amounts of {$400.00}, {$400.00}, {$300.00} and {$310.00} ). After realizing that they were asking me to use some of my paycheck amount to pay for equipment, I called the representative on the phone and asked more questions about the details of the equipment and the shoot. Once I started asking more specific questions about the equipment, I could tell that he didn't know what equipment they were renting ( or what would be appropriate for a shoot of this kind ) and I did not send through the remaining requests of money. Within a few hours, I was informed by Bank of America that my account was overdrawn and that the check I had cashed was not a valid check. I was completely thrown off. I was under the impression, which now I realize is FALSE, that when Bank of America made funds available to me, that did not mean that the check was legit. I was told that there was no way to recoup the funds that were taken out of my account by XXXX or XXXX XXXX, since those transfers are not protected. I filed a Police report with my local Police Station.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Mailed letter to : XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: CA

Complaint narrative:
Last month I contacted TransUnion regarding 7 unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and really being difficult and not cooperating. This inaccurate information they are reporting this hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately. These are the unauthorized inquiries that need to be removed immediately 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX, 3. XXXX XXXX Inquiry from XX/XX/XXXX, 4. XXXX Inquiry from XX/XX/XXXX, 5. XXXX XXXX Inquiry from XX/XX/XXXX, Bank, XXXX Inquiry from XX/XX/XXXX. XXXX Inquiry from XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: MD

Complaint narrative:
I first received a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of medical services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: IL

Complaint narrative:
The accounts below is not mines. The company has been calling and treating to have me arrested and taking legal action against me. I know their are laws to protect me from this. And how do they contact people who the debt does not belong too? 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$31000.00} Reported balance The account below has an incorrect balance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$590.00} Reported balance The inquiries below were not authorized by me. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: GA

Complaint narrative:
There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : 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 non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted XXXX via letter is regards to account # XXXX, which they claim my account was charged off {$2300.00}. I requested information regarding account and received a print out of a bill. I responded with ... .This is formal notice that your claim is disputed. I contacted the company via certified mail XX/XX/2018 in regards to there claim I owe {$2300.00}. They still have not provided me sufficient proof of my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I requested Chase to remove private mortgage insurance ; they conducted an appraisal and determine my home 's value to be much lower than it actual is. There are properties in my neighborhood selling for {$310000.00} without a swimming pool. My house has a swimming pool and is identical to house in size and build date and Chase appraised my house for less than {$310000.00} because they do not want to remove the PMI. The county tax assessor 's office tax assessed my house at a higher price than the houses without swimming pools but Chase fails to acknowledge this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Usaa sent a repo agent to my work. Repo agent used his Rottweiler as a weapon to intimidate me. Dog was lunging and aggressively barking at me putting me in fear of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation