vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 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: LA

Complaint narrative:
On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: FL

Complaint narrative:
On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX/XXXX/XXXX - Attempted to understand Equifax 's TrustedID program vs. the current Equifax 3-n-1 credit monitoring program that I have been enrolled in for several years. The 3-n-1 program provides text and email alerts when a credit card 's balance changes substantively to alert me. This is valuable as it allows me to confirm changes and respond accordingly. 

That same alert process is seemingly unavailable in TrustedID, and customer service can not explain why well enough to help me out. Very unfriendly and unable to help. So, what I do not know is whether to continue with the 3-n-1 program, which I pay for, or assume that TrustedID is the replacement solution that Equifax offers for free given the security breach that occurred. 

Very unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the 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 explanation
Consumer complaint received 2017-10-16 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: NY

Complaint narrative:
I have been dealing with student loans since XXXX. I did not realize that taking on a debt so young and uninformed could be so damaging. I have taken loans with three universities. Each one graciously gave me the ok. to apply for money ( way more than needed ) and I would not be able to pay back. I recently watched a press conference held in Washington state in XXXX of XXXX. I learned very interesting information that affected me directly. While I was in school, all of my loans were placed in forbearance. I was never given the opportunity to participate in deferment. I understand that XXXX XXXX and XXXX engaged in deceptive practices and charged interest on top of interest. When I received statements, it was only, this is what you owe. There was never any clear breakdown and how interest was charged. Each time the loan was sold, the amount increased substantially. Currently, the loans are with XXXX. I had written the agency a certified letter requesting all original documents and a breakdown as to how much is owed and proof the amount is what is owed through audit certification of debt entry. This was done on XXXX XXXX, XXXX. They have not responded. Each time I call to inquire about it, I am placed in the endless que until I give up. In the meantime, I am making payments. I was asked to recertify. When I did recertify, I received a letter stating they were not able to grant the same plan and that I would receive a letter telling me what I had to do. The next letter I received, I was told that I did not respond and now have to pay almost 5 times as much. I inquired today XXXX/XXXX/XXXX. I was told my family size changed. I stated that was done in error but I was never officially told. I was told because all correspondence is done electronically. When I searched the electronic messages it was not there. However, I am still required to pay the overly inflated new amount. I am very frustrated and need a resolution. I am making attempts to pay. However, I need to know that the amount owed is completely accurate especially since it has changed servicers several times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Over the last several days I have been trying to remove a Security freeze on my Equifax Credit report by either the online method or by calling them and speaking with an oversees phone XXXX. I have literally spent 6 hours speaking to people that say the freeze is lifted then to find out it is n't. I do n't know what to do anymore as there are big problems as each time I call they say it is still on, but they will lift it and each time it is never lifted. To make things worse I believe I have a split credit file with Equifax as it has happened before with them and they are famous for it if you have alot of credit or long history. I tried to pull my own report the last few days and my report shows I have zero tradelines where-as I have over 25 years of credit history many auto loans, CC 's and many other things on my credit report. This just started to happen two days ago when I was trying to get my freeze removed and XXXX tried to pull it once as my freeze was suppose to be removed according to equifax rep., but they got the strangest thing as well a report with no credit history at all like myself under my SSN. This needs to be resolved and I am out of options as no one is willing to help and I do n't believe the oversees CSR know what is going on and just read scripts and are of no help. Please please help me as I am at my whits end with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I contacted Bank of America several times starting in XXXX XXXX requesting the company to give me half of my remaining rewards, because I had closed the account at the beginning of the year. 
The bank told me I needed more purchasing to earn the needed XXXX points and only had about XXXX. I suggested they send me a gift card of {$12.00} to show fair business practices, they refused to do so. I can show and state that XXXX XXXX sent my remaining points in a small check to demonstrate good business practices. Bank of America does not demonstrate any of the usery law features to their customers. 
It is unfair all my points go into an " abyss '' and they benefit from all the thousands of dollars I spent on this credit card ...

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 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX  and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After being denied credit I checked my credit report I noticed an account with Bank of America. I 've reached out to Bank of America via certified mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 've requested validation of a debt that I do not recognize. Upon the letters sent I have yet to receive any signed contracts from this company, only computer generated statements. Also BOA did not place a " notice of dispute '' on my credit report after my initial contact of XXXX/XXXX/XXXX. They are in violation of FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ) by not placing the disclosure within the 30 day period. I only received a letter from BOA stating a date the account was opened and the balance ; no signed contracts as requested in my letters.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.

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 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NM

Complaint narrative:
I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police report.

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 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX writing in regards to 2 bank statement requests to Chase Bank for 2 elderly clients who may be victims of financial abuse. The Document Identification # 's are : XXXX and XXXX An XXXX XXXX was faxed on XXXX/XXXX/XXXX to Chase Bank. On XXXX/XXXX/XXXX, XXXX received a response stating that I would need to contact Customer Service ( I have included both responses in the attachments ). On XXXX/XXXX/XXXX, I called Customer Service who stated that I would need to contact the client 's XXXX XXXX, XXXX XXXX, and discuss with him on how to obtain statements. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX who stated that I would need to provide a Release of Information signed by the client or have a court order. One client has been deemed to not have capacity as he has been diagnosed with XXXX XXXX XXXX and it would be unethical for me to have him sign any documents. 

Chase is not being compliant with XXXX request and I would like to receive the statements to complete XXXX investigation of financial abuse of an elder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried freezing my credit with Experian out of fear of the recent XXXX security breech a couple of months ago. However, Experian was telling me the information I was providing them was incorrect, when it definitely was not. This got me worried that I might have bad information about me out there, so I wanted to see my credit report from Experian. However, they will not let me access it.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, 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 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : XXXX account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : 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 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.

Company response to consumer: Closed with explanation