vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. 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 2017-10-17 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: LA

Complaint narrative:
XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Security National Automotive Acceptance
State: LA

Complaint narrative:
On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax was hacked after improperly protecting their security data, potentially exposing me to identity theft, and putting me on notice for the rest of my entire life that none of my personal information is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received an unsolicited Capital One XXXX credit card bu overnight mail. The cover letter states that the card is activated. I do not want this card and demand that it be immediately " unactivated '' and cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: LendUp Loans LLC
State: TX

Complaint narrative:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

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 2017-10-17 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: GA

Complaint narrative:
Accounts were added to my credit file that does not belong to me. Accounts are listed below : 1. XXXX XXXX XXXX {$10000.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$1800.00} 4.  XXXX XXXX {$1400.00}

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 2017-10-17 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: NY

Complaint narrative:
I attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

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 2017-10-17 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: NY

Complaint narrative:
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: NY

Complaint narrative:
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

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 non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, 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 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17 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: GA

Complaint narrative:
Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # 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 2017-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have an HSA that I was provided by my previous company XXXX XXXX. The HSA that I have a problem with is currently with " XXXX a division of Webster Bank N.A, member FDIC '' Now that have departed from my company, this bank wants to charge me a monthly fee to keep my account. So I used the funds and brought this account to a XXXX balance. I then called to close the account and I was told I couldnt do it, I need to complete a form and send it back. This process is so outdated its ridiculous, this bank allows me to login to my account with a finger print, but I can not close my account with a phone call or online?!?! 
Then I get the form via email today, they would like to charge me a fee of {$25.00} to close my account. When I asked the bank CSR what would happen if I did nothing, I was informed that I would continue to be charged fees even though my account is at {$0.00} I do not recall giving this bank permissions to put my account into an overdraft status so this is also concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX on XXXX/XXXX/17 sent me a letter from the District Manger Stating a XXXX balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by Equifax and the dates it makes no since and the Letter dated XXXX/XXXX/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at Equifax and And XXXX as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Colony Brands, Inc.
State: NV

Complaint narrative:
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Untimely response