vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX  school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. 
Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( #  XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Placed a credit freeze with Experian in XX/XX/2017 after the XXXX  data breech. I wanted to temporarily unfreeze my credit with Experian today and was unable to do so. I have the PIN that was issued at the time of freeze and that still didn't work. Now they want me to mail a letter generated with the denial, along with three other forms of identification. I had no issues unfreezing my credit with XXXX or XXXX today, so not sure why Experian is not complying with the new federal law that requires my credit to unfreeze within an hour. Additionally, there is no way to talk to someone over the phone.

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 2018-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased a mattress from XXXX and financed it using XXXX XXXX. XXXX became XXXX XXXX and can no longer access my original documents. My purchase was suppose to be a fixed rate 5 year term. However, I received multiple defective products and eventually upgraded my purchase to a better mattress. Essentially there were two purchase dates however it should have fallen under 1 promotion. XXXX improperly booked the return and submitted my orders as multiple purchases with differing promotions. Some of the promotions expired and fees and interest were realized. I have made over 20 calls to XXXX XXXX and synchrony to resolve this issue and I keep getting he run around with each company blaming the other for issue. I have been trying to resolve this issue for over a year and have spent countless hours on the phone. I finally had a supervisor at XXXX XXXX advise me how to resolve the issue and when I did as she was instructed and called back and was informed by another supervisor that she improperly instructed me and I had to undergo a whole other process. This was just one example of the many blame games they have been playing. Purchase details below : {$1700.00} initial charge XX/XX/2015 {$3700.00} second charge XX/XX/2015 {$1900.00} in interest charges The initial purchase was for a defective mattress which was returned and then we upgraded. We were assured that the upgrade would fall under a 5 year fixed payoff. However XXXX booked this as two separate transactions instead of a return and a single mattress purchase. 

I have had multiple purchases with synchrony over the years and have always been timely with all payments.

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 2018-10-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but Experian and XXXX  have not.

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 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Only disclosing their name and not the company they are calling from when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As of XX/XX/XXXX, my credit limit with Walmart Master Card was  {$5300.00}. I have had Walmart Credit cards since at least XX/XX/XXXX. First it was MC with GE then Walmart changed to Discover, then Walmart changed to XXXX XXXX Master Card. On my statement ending on XX/XX/XXXX, suddenly without notice they have unfairly reduced my credit to {$670.00}. I moved this month and can not use my Walmart MC.  My credit increase again today was denied and tell me to check my credit bureaus. I have 100 % making payments on time history. I had one record in one of the credit bureau that was not mine and disputed it. But this happened in XX/XX/XXXX. My credit limit was reduced in XX/XX/XXXX ; when I moved! Obviously, Walmart is discriminating on me. Since ; I have a long history with them of 3 credit cards and making payments on time! 
I have at least 18 other credit lines all in excellent standing and at least 3 other XXXX XXXX accounts beginning from XXXX credit limits up to {$10000.00} credit limit! Therefore ; there is absolutely no reason for Walmart to having reduced my credit limit from {$5300.00} to {$670.00}! Please help me! I'm an inactive XXXX XXXX XXXX, have a valid XXXX XXXX license and have studied XXXX XXXX XXXX for years and I'm trying to start my XXXX business. In addition ; I moved to XXXX and Walmart is the only department store here. Everything else is 31 miles away in XXXX. I came here to rent affordably and to start a 100 % organic garden for myself and my son. Thank you for your help!

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 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Only disclosing their name and not the company they are calling from when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: VA

Complaint narrative:
XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX  and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called XXXX XXXX XXXX every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!

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 2018-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018, I was looking to open a business credit card account. I went to the XXXX website and applied for a XXXX XXXX XXXX Credit Card. I entered the business information and Tax ID number and I was also asked to enter my social security number. Below where I was to enter my social security number appears a note that it will only be used to identify me and it will not be a hard inquiry on my credit report. After I finished my application, I was immediately approved since I have an excellent credit score. However, I also got an alert from credit monitoring service that I had a hard inquiry from XXXX on my personal credit report. I called XXXX and they said it is a normal process to get a credit report from my business credit as well as my personal credit. I told the representative about the note on the website and he said he would report it to someone at XXXX and they would try to change that. I was so upset I closed my business credit card account with XXXX on that phone call. Now there is no way to remove that hard inquiry from my credit report and I am asking that XXXX enter some note or something in my report indicating that this was in error and the inquiry was for business credit, not personal credit since this lowers my score a few points. Also, I am going to refinance a mortgage on my condominium and it will look like I have some other hidden credit account that they may want information on and that would delay any refinancing I am applying for. 

I appreciate your attention to this matter. 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 2018-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased several items with XXXX and opened an account with XXXX. I've had several issues with this credit card company. They are very focused on charging additional fees and not working with customers to pay off their balances. The latest issues I had with them are : 1 ) A late fee that was assessed on my account even though I tried to make the payment on the due date but received an error. I paid the very next day and then called to explain the situation but received no assistance at all. 

2 ) A Promo finance charge : I was charged a promo adjust fee on an item where I was led to believe that the monthly payment calculations are calculated with the promo period taken into consideration so if you make you payments regularly you should be to take advantage of the promo but it turn out to be that when you buy several products the monthly payment is calculated off the balance only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a business account on XX/XX/18 with chase I still have not received the debt card I have been calling chase i was told to go to the bank to request a new card once there I was told that the card couldn't be sent to the address on file so I call the call center again spoke with 3 people one opened a ticket to send the card out overnight one said the card was sent and should arrive the next day then the last one said no card was sent and she also was the first person to tell me that the banker should have sent the card out I've been calling the bank ( the physical location the one that refused to send the card out ) back to back for over an hour with no answer at the end of a week long search for a debit card I'm still left with there is nothing I can do your account is too new to do anything over the phone and we can not send a card to your address because it's an apt .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In or around XX/XX/XXXX, my servicer, Navient, misinformed me in regards to my PSLF qualifying payments. They told me that I was in the correct loan program ( IBR ) to have my loans forgiven after 10 years. I was told I could submit my Employment Certification form at the end of 10 years and that I'd be in good shape. 

Additionally, in XX/XX/XXXX I received an email from Federal Student Aid and under the " What happens next? '' section it states : " It will take several weeks to process your form. If your employment qualifies, your loans will be transferred from your current loan servicer to XXXX XXXX. XXXX XXXX will determine how many qualifying payments you have made and will provide you with an estimated date when your loans may be forgiven. '' The part that further led me to believe I would be in good shape is the last sentence. From their wording payments made to any servicer would be counted by XXXX based on working for a qualified employer, and that I needn't fill out the form until I was hoping to have my loans forgiven. 

In XX/XX/XXXX I moved from XXXX to XXXX XXXX and decided in order to make my life easier I would have my employers in XXXX fill out the ECF. 

Navient should have informed me that I needed to have my loans transferred to XXXX, and that only after I've transferred my loan do my payments count as " qualifying payments ''. Because of their actions I made payments for more than 2 years did not count. If this is not addressed I will be required to pay thousands of dollars more towards my loan, and possibly tens of thousands more in tax liability when the loans are forgiven. I believe they gave me incorrect information as a means of keeping me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
This involves Western Union, two problems. Problem number 1 : Points not credited to my Western Union Rewards account. Agent transactions are now not using the WU Rewards number but the customer 's phone number. They told me my reward points would be posted to my account when the money was picked up by the receiver. The money was picked up, but my rewards points were never credited to my account. See attached receipts dated XX/XX/XXXX and XX/XX/XXXX. Problem number two : Sometime between XX/XX/XXXX and XX/XX/XXXX, the points on my rewards account disappeared. I had made a internet transactions on XX/XX/XXXX and XX/XX/XXXX and rewards points were correctly posted. Upon checking my account on XX/XX/XXXX my entire account points were gone. After trying to get through to many agents to report fraud or theft to my account, on XX/XX/XXXX, a representative said my points had expired. I asked why, and he said they recently expired as I had not used them in a year. I asked him when was this changed and why wasn't I notified. He said I was notified. I asked when and to what email address or home address, and he could not answer. I have been a customer since XXXX and have never had points taken away from my account besides redemptions. My last point redemption was on XX/XX/XXXX. See attached last two transactions and current statement from my account showing XXXX  points. Western Union has done nothing to restore my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been getting calls every day from a company claiming to be Citi bank. They leave a message from an automated recording saying that I need to log into citicards.com and check out the status of my account. The only card I have through citi is a best buy card, which I pay regularly and the status is normal. When I call this number back, they won't let me talk to anyone unless I enter the last 4 digits of my citi card. I'm not sure what else to do. They fill up my voicemail box in a week 's time and I can't talk to a real person to tell them to stop calling. The phone number is 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 monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
We never received any bills or any kind of paperwork about payments and now it is in deferment and being automatically withdrawn from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: NJ

Complaint narrative:
I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
There is american express reported on my report opening in XXXX. I was XXXX years old then. There is no way that is my card that was opened.

Company response to consumer: Closed with explanation