vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.

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 2017-12-01 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: AZ

Complaint narrative:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my equifax when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my equifax report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I were traveling XXXX, XXXX this summer. It was happening XXXX of XXXX, XXXX. We had lunch at the restaurant named " XXXX XXXX XXXX '' and meals for two was charged XXXX euros. I paid with my card but somehow it seems that the manager was printing too long receipts. But we were only presented with the bill of XXXX euros so I signed without any doubt and left the restaurant. Later that night we found that it was charged twice of one with XXXX euros ( correct transaction ) and the other transaction was also made with XXXX euros. I did neither sign for the XXXX euros bill nor the bill was presented to us. We ran back to the restaurant to make a claim that there was a mistake that we were charged twice and the manager repeatedly apologized and promised us that he would make sure to fix the issue to cancel the wrong transaction. Our flight was the day after ( XXXX ) and we came back home in the XXXX. 
But obviously the manager did not keep his words to cancel the transaction and the credit card company XXXX Chase XXXX went through to make a total charge of XXXX euros for lunch at the restaurant. 
We filed the dispute to the credit card company explaining what happened to us while trying to get hold of the restaurant through emails, homepage contact, and international call. But the restaurant was completely out of reach. They never replied to any emails and complaints and never answered the phone. 
The arrangement of the credit card company was also very incompetent and disappointing. Though this case was such a typical fraud that some of the XXXX  restaurants are still trying to rip off the foreigners, Chase only contacted the restaurant and received the bill of XXXX euros with the fake signature that they must have counterfeited. I asked Chase to request itemized receipt to make XXXX euros because there is no way that lunch for two should end up that expensive one, but Chase was completely doing nothing and said they could n't do anything to help us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 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: Key 2 Recovery, Inc.
State: GA

Complaint narrative:
This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.

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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consolidated Recovery Group, LLC
State: FL

Complaint narrative:
My identity was stolen and a credit account was open in my name, i ask consolidated recovery group to remove the negative item from my credit but they wont comply

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: AZ

Complaint narrative:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. TransUnion gives an error code and is not reporting accurate accounts on 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 2017-12-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on 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 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Expert Researchers in these kinds of cases, and how harmful it is for a person who is struggling, struggling, to keep his credit score at XXXX. points .... BUT CAPITAL ONE COMES REALIZANDOMEPROMISES AFTER PROMISES, TO APPLY GARANTIZANDOME A CARD, WHEN I DID IT, GAVE ME 3 GREEN CHECK MARK AS PASS. ( APPROVED ) .. THEN I GET A LETTER THAT I FEEL SO MUCH,  AND THAT LITERATURE CLASSES THAT DISANIME ANYONE AND DOUBT THE REPUTATION WITH ME 3 BUREAU. XXXX, XXXX XXXX INCITING, TO APPLY THAT I HAVE A CODE AND NUMBER THAT GUARANTEE MY APPROVAL. BUT THE TRICK IS THAT THEY DO IT FOR THE PERSON TO APPLY AND REDUCE IT XXXX POINTS, OR MORE EVERY TIME IT APPLIES. I ASK CFPB INVESTIGATORS AND HELP ME TO RECOVER MY POINTS IN MY 3 BUREAU XXXX, XXXX, AND XXXX..TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: MO

Complaint narrative:
I have tried in writing and over the phone to get unauthorized inquiries removed from my Transunion credit report. These inquires are damaging my credit and the credit bureau states they are not allowed to remove THEM which further damaged my credit report. I disputed this information with both creditor showing on my report and transunion credit bureau and the creditors are confirming they do n't report any information to the credit bureaus. The FRCA states that the only permissible purpose for pulling someone 's credit is for firm offer of credit, employment, insurance and court order. None of the following are related to none of the aforementioned permissible so Im requesting the following be removed. 1. XXXX  XXXX/XXXX/XXXX, 2.XXXX XXXX XXXX XXXX/XXXX/XXXX, 3.XXXX XXXX XXXX/XXXX/XXXX, 4. XXXX XXXX/XXXX/XXXX, 5.XXXX XXXX  XXXX/XXXX/XXXX, 6.XXXX XXXX XXXX/XXXX/XXXX, 7.XXXX XXXX/XXXX/XXXX, 8.XXXX XXXX/XXXX/XXXX, 9.XXXX XXXX/XXXX/XXXX, 10.XXXX XXXX/XXXX/XXXX, 11. XXXX XXXX/XXXX/XXXX, 12.XXXX XXXX/XXXX/XXXX, 13.XXXX XXXX/XXXX/XXXX, 14.XXXX XXXX/XXXX/XXXX, 15.XXXX XXXX XXXX/XXXX/XXXX, 16.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 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$520.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.

Company response to consumer: Closed with explanation