vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 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: NV

Complaint narrative:
I went to this school inXX/XX/XXXX, did not graduate due my XXXX This loan is being handled by ( NAVIENT ) I have been dealing with NAVIENT for 10 years of this loan that XXXX I am on a fixed income of XXXX a month from social securty income. I have no way of paying this loan, and have been in contact with them about this. Ii have filed for ecnomic hardship, over and, over with them. I have also been approved for a total perment discharge for this loan, and the other loans I have through the Department of Education. All my loans have been discharged I have explained to NAVIENT, that my loans were discharged. I sent them proof that my loans were discharged. The department of Education has requested that my loan be transfered over to them for XXXX  discharge, as I am XXXX. NAVIENT tells me that have not got the request, and they keep charging me outstanding interest, and reported late payments to all major credit companys during my deferements. Late paymments were reportedXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when I was in forbearance during these periods. They will not discharge this loan they keep wanting to put me in ecnomic hardship, then report late payments. I do not have the money to pay this loan. I do not even have the money to pay full rent. I was suppose to be in a voluntry forbearnce tell XX/XX/XXXX this is getting out of hand. It makes me sick that NAVIENT gets away with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This all started in XX/XX/XXXXwith My Bank of America personal credit cards. I meet with my accountant and was told to pay down my credit card debt using my home equity line. For the past 4-5 years I have been paying the minimum amount and was set up on the Bank of America website to make auto payments so I would never be late.

When I attempted to make a {$10000.00} payment if was accepted through the website and then denied. I called Bank of America and we had to have a three way call with Bank of America, XXXX XXXX XXXX and myself to confirm that the funds were available. Once XXXX XXXX XXXX   reported that I had the funds to make the payment it went through.

I attempted to do this four more times between XX/XX/XXXX andXX/XX/XXXX with the same problems. I was told that my payment amounts were larger than my typical minimum payments and that a third party that Bank of America used must have messed up my routing number information. Furthermore they locked me out of my Bank of America online banking and I was and still am set up with paperless billing. So I would have to wait to get a call from Bank of America to make a payment and each and every time they told me that they would unlock my Bank of America online banking page so I could keep making payments.

Within the past two weeks I sent them over {$4000.00} in payments and then they sent me a letter telling me that they were closing two of my credit card accounts. I believe that this was done because I was paying down the cards and it appears to me that they were making it harder and harder to pay my bills. It should be noted that I have been a customer of Bank of America since XX/XX/XXXX.

I believe that this is the predatory lending, I believe that they did not want me to speed up paying my credit cards. I have had over a dozen conversations with various people at Bank of America and each and every one of them said that they could not understand why this was happening to me.

I called today to find out if they have set up a payment plan and was told just keep paying the minimum on the two cards that they cancelled.

I believe that Bank of America has been more than paid for these to cards over the past 13 years with the large amount of interest that they charge.

At this point I need your help to contact them on my behalf and either have the reported amounts due changed to paid in full or set up a payment plan as this has no effected my credit rating.

Thank you for your time.

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 2018-04-17 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: HI

Complaint narrative:
I paid and mailed my Cap 1 Mastercard bill of {$76.00} on or about XX/XX/XXXX. I used check XXXX ( check copy attached ). I got an email on XXXX that my payment was late. An online check revealed that CP 1 had charged me a {$25.00} late fee and {$21.00} in interest for a total of {$46.00}. I tried calling that day but the voice recording said their offices were closed ( note : I live in Hawaii so there is a time zone difference ). I called CP1 on XX/XX/XXXX and rep. XXXX told me that they had only gotten the check today. I asked if they could waive all fees and interest and XXXX   told me they could only waive the late fee of {$25.00}.

I paid the bill on time and there is no indication that it was lost in the mail and for all I know the check could have been on a pile or misplaced at CP1. I have never been late before and it does not seem fair to have to pay {$21.00} interest on a balance due of {$76.00}, Capital One should reverse all charges ( {$46.00} ) as they did receive the payment, which was mailed on time. Additionally, I am a customer in good standing and never late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: IN

Complaint narrative:
I received this email at XXXX  on Tuesday, XX/XX/2018. I called the Customer Service number as instructed. I know it was early in the morning, but regardless of what time this number is called there is no option to speak to a person unless you go through a fraud claim and continually not push buttons so it will send you to a real person. Even if you get to an actual person, youre often disconnected when they try to transfer you to the correct department. This makes the caller have to go through the entire process all over again. There was no option for me to leave amessage, no number to text, or email address to message about this issue of a card being activated that was not me. Its an inconvenience to have to report card stolen or lost and then have to wait 7 to 10 business days to receive a new card with a new deposit on it. I am XXXX and I dont have time to mess with these unprofessional behaviors. There should be a way I can talk to a real person to find out what the situation is and if I do have to close this credit card number and receive a new card, get the process expedited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: MD

Complaint narrative:
On the XX/XX/2018, Someone used my card information and make a fake credit card. I recevied a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX  still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money.

XXXX XXXX XXXX   Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: MD

Complaint narrative:
On the XX/XX/2018, I received a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To start with I have attempted 7 times now through various channels to resolve my issue however the bank simply avoids responding to the actual issue by citing irrelevant information that pertains to changes made to the account after the actual incident occurred and those changes would not have taken place if the bank had not assisted a secondary signer with fraud and account takeover of my companies business checking account to begin with. I had a checking account with TD Bank and at some point without my knowledge the bank allowed a signer and employee of mine to change the signers and owner of the account in effect removing me as owner from my own checking account and they refuse to assist me since I am not on the account anymore although the changes made were unauthorized and according to bank policy what took place should not have been possible unless all signers were present which I was not or by closing the account and opening a new one which did not occur since the account number has not changed. The signer that removed me from my account is now deceased and the probate court has ordered the signers now to be changed to the personal representatives and this is the banks response but I want to know how I was removed from my account to begin with by the now deceased individual so a response related to the latest changes is not acceptable nor does it address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my account.

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 2018-04-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX   contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
On XX/XX/2018 I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. 
I had to drive from XXXX New York to XXXX New Jersey to get jerked. 
I gave them my XXXX and {$13000.00} plus came back a second time just to personally deliver the title for my XXXX and still havent received anything that I was promised. 
I was told I was going to receive a check for my first months payment an extra key for my vehicle two new back tire so I can pass inspection and my tile for the vehicle I am financing so I can register it. 
I spoke to two sales person in person XXXX ( manager ) and XXXX. And when I call I get the runaround from the secretary XXXX and the business manager XXXX. I call every day to their DMV department and speak to XXXX which is the manager and XXXX. I shouldnt have been so stupid in the beginning but I am waiting For about a month for title that isnt being sent over basically Im paying for someone elses car. Temporary plate is expired so I cant even drive the car By the way Im XXXX so I had to switch my hair control and pay for them out of my pocket {$800.00} and I have a document for everything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Even after the class action settlement, 5/3 bank is still participating in reordering of funds in order to maximize overdraft charges. On multiple separate occasions, I have been charged overdraft fees improperly! The two that I can recall occurring most recently are, XX/XX/XXXX, and XX/XX/XXXX. I have direct deposit from my employer going into my 5/3 account. According to the representatives that I spoke with, in both scenarios, my direct deposits were pending at XXXX. At the same day and time, charges began to pend on my account. Instead of releasing my direct deposit, 5/3 has continuously delayed this in an effort to charge overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My paid subscription directly with XXXX is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( USAA ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I sent {$1000.00} through money gram and the transaction did not complete on XX/XX/XXXX. I went to the store where I sent my money gram and called money gram to get a refund and was given a reference number and was told to wait 36 hours before I could get my money back. I have been given 4 numbers in the last 2 weeks and still have not be able to get my money back. The last time I went was on XX/XX/XXXX and was given another set of reference numbers and was told to wait 36 hours. I am not getting my refund back and this company seems to be doing nothing to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: MD

Complaint narrative:
My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: HI

Complaint narrative:
On or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MI

Complaint narrative:
My Credit Card numbers were hacked by someone presently unknown. The Staements alleges I am correct the items are fraudulent and have given me a " allegedly given me a statement that all the interim credits are now permanen as their fraud investigation department agrees with me! I spoke to a Discover yesterday who I was attempting toe informed what credits I have been given, and what not, she became beligeren and contrary to their prior ations and statements to me by other members of the fraud and security department Discover, refuses to even allow me to see my statement not have use of the money we both agree is properly in my account, available for my use, but this woman has arbitrarily denied me use of the money Disocver as part of my Credit Card, has set aside for my use, which is account, I my ability to have a card to access the funds has been removed by Discovery. Independently I have attempted to determine the person who has hacked the account, and want to work to help Discovery catch him -- but they refuse.

Company response to consumer: Closed with explanation