vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I took out a personal loan with Santander Bank in XXXX, XXXX. On XX/XX/XXXX I called to make payment. I paid {$180.00} ( amount due from XX/XX/XXXX ) and was told since payment was made on XXXX it would not be reported as delinquent by the person who took the payment. She also verified this with her colleague in a different department. 

I am now being told this will be reported which conflicts the information given to me at time of payment. 

The company has records of phone conversations and while they apologized for the wrong information given they refuse to correct with credit bureau ( s ) Conf # for payment made is XXXX I spoke to several individuals, XXXX XXXX from the executive Office- XXXX has been the main point of contact.

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 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank called me and told me I owed a late fee in XXXX because my payment on my sears improvement card went up.. so I paid it..I was told this would bring my account current.. NOW I get a call today saying my account is past due again and I owe them {$26.00} and once paid they would reverse the late fee of {$35.00} so I paid it over the phone again.. then I was told that NO that's not true by a supervisor, that they credit my balance,, but the payment was still short so I would continue to accrue late fees!!!? So the rep LIED when they said the extra payments I made were bringing the account current, they lied just to get me to pay something over the phone to help their goal for the day and would lie, cheat and steal, to do anything to get a XXXX senior on a limited income, to give them money! NOW I am told that the money I gave today will STILL not bring my account current.. again! they did this to my sister on a card she had with them and she got so disgusted, she stopped paying it. the Citibank XXXX  XXXX page if filled with similar complaints.. if you add up all their fraudulent fees they have charge people, I think you will find overwhelming evidence to fine them into a class action law suit.

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 2019-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This past summer, there were 3 or 4 payments I made to my Home Depot Commercial Credit Card that were mistakenly credited to someone elses account. Citibank ( who handles Home Depot Cards ) did finally credit my account with those misplaced payments. However, they reduced my credit line from {$5000.00} to {$600.00} because of a formula they use to determine credit limit which includes late payment history. They do admit that they posted my payments to the wrong account but will not put my credit back to the original level because they said I was still delinquent! Also, when I asked a manager to call me to discuss, she refused to give me her name or the contact information for me to file a complaint.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Having bad credit XXXX XXXX I had a Transunion score of XXXX trying and aware of my credit situation dealer said he can help me telling him my situation he told me he would do a soft inquiry from there decide where to go..then I agreed. 

That soft inquire was a hard inquiry and went out to XXXX XXXX and XXXX XXXX and dropped my score -70points Im not a fool ... this salesman took total advantage of me This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, MN 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 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
We were notified by our mortgage company of an outstanding medical bill on our credit report. We are in the process of buying a home. 
I contacted the collection agency and learned a XXXX XXXX ( born XXXX or XXXX ) had an account at XXXX XXXX XXXX XXXX, XXXX, AZ with my husband 's Social Security number and also our home address. The birth dates do not match. We've never been to this place of business. The account number I was given : XXXX. 
Date of Service : XX/XX/XXXX. 
The recording at XXXX XXXX gave a billing dept # XXXX. 
We have filed a dispute with XXXX contesting the collection and provided the same documentation we received from our mortgage company. 
We would appreciate any and all help you can provide. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: AES/PHEAA
State: DC

Complaint narrative:
My loan servicer : XXXX XXXX XXXX is denying my rights under the Servicememeber Civil Relief Act. They refuse to decrease the percentage of my loan to 6 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a credit card with XXXX XXXX in XX/XX/XXXX. I never received my physical credit card. I called many times asking for the credit card and was promised it would be sent, but it never was. I was then told that that a credit card can not be sent until i don't make a payment, so i did, and the credit card was still not sent. They marked my account as past due which also affected my credit score. This is unacceptable and not professional!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F&M Capital LLC
State: MI

Complaint narrative:
I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has made numerous inquires into my credit since XXXX. Not a single one of those were authorized. I have not been shopping for either an auto loan or a credit card. I am currently in Chapter XXXX bankruptcy and not even allowed to apply for credit. I have filed disputes online with the credit reporting companies as well as mailed something to Capital One requesting removal. I have, to date, received NO PROOF that I agreed to these inquiries. When asked for proof I received a letter that just said " Inquiries are a factual part of your credit ''. I have not, and will not, ever apply with Capital One for anything. This has been affecting my application for a mortgage during my Chapter XXXX. I want the following inquiries removed from ALL Credit Reporting Agencies. 


XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was contacted by what I thought was a company in XXXX ( XXXX XXXX XXXX ) about a job. The were getting into the US market and needed a XXXX XXXX XXXX. I contacted my CC company as well as XXXX. I was assured by both I would be secure. My CC company told me once I saw a credit into my account the payment could not be reversed. I made purchases for this company only after I saw a credit of {$2600.00}, I then sent the purchased product to the company, Florida and New York. I did this two times and 7 days after the 2nd purchase I saw the payment amount of {$2700.00} reversed because there were no funds in the account that originally made the payment. I immediately called my CC company and told them I was being scammed. I was told there was nothing I could do. I then asked if they had received the first payment and was told they had. I asked if I locked my account if there was any way the first payment could be reversed and was told no. I locked my account and requested to discuss this with a superior. There was none available and was told I would receive a call within 1 to 2 business days. That was XX/XX/XXXX and I received a call on XX/XX/XXXX and was told again repeatedly ( 7 people ) there was nothing they could do. The company called them and told them the withdrawals were being taken from a closed account. My CC company then sent them back the money even though I told them I was the one being scammed. All dates are on a document I uploaded. I thought I had done my due diligence. I plan to file a complaint against XXXX  XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
An inquiry appears on my XXXX  Credit Report that I did not authorize. Consumer Portfolio Services refused to remove the inquiry on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
Four years ago a loan somehow was giving and because I may had a hardship at that moment I did get all of it paid interest build up and It went on my credit. so I get a called from XXXX XXXX he said that he is the CEO of the law office and he will file a fraud on me and XXXX stated that I intentionally had a account closed when they tried to get the money out the account. That is not true I Did not have and account close with XXXX XXXX. He threaten to have me arrested and was very smart mouth and rude and because I did not agree with him he slammed the phone and hung up and said he will tell the state that I will not negotiate with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Have been an account holder of Wells Fargo bank for over twenty years. My investment portfolio has a XXXX XXXX XXXX checking feature. Have only attempted to use is recently and encountered issues. Was assured that the problem would be investigated. XXXX XXXX, a Wells Fargo officer was assigned to the case identified by case number XXXX. Weeks have passed and there has not been a single finding in this so called investigation. 

I have, however, discovered that for each check presented a penalty was affixed to my account. As of this writing, there has been no information revealed to me about the investigation. If there was a problem with the check the bank should simply reject the check. If this is not a predatory banking practice then I would want the bank to detail how it is not. Additionally, if proven, what would be the penalty for a series of predatory practices.

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 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a Platinum Mastercard credit card with Capital One Bank. My Payments are due on the XXXX of every month and I initiated a transfer of the remaining balance on the card to my XXXX card on XX/XX/XXXX in the amount of {$200.00}. I mainly wanted to pay off the card, because my account was placed on restriction by Capital One, for reasons unbeknownst to me. Unfortunately Capital One processed the payment late, charging me a late fee of {$25.00} and two interest charges. I called Capital One to provide proof that I did indeed pay the account on time and I want to close the account. The associates refused to provide any info regarding the account over the phone with me, despite having answered security questions such as what is my SSN, etc ... Please resolve because this account is accruing interest fees and charges, impacting my credit score ... when the payment to pay off remaining debt has been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed Equifax, XXXX XXXX and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX County records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX County records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I  look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
An inquiry appears on my XXXX Credit Report that I did not authorize. XXXX XXXX XXXX refused to remove the inquiry on XXXX-2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please 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 2019-01-09 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: PA

Complaint narrative:
I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX-XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  -XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation