vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I purchased a diet pill online in XX/XX/XXXX. It apparently had an automatic renewal in the purchase. When I received another bottle ( I hadn't used the first bottle ), I checked my statement and found the purchase on there a second time. I went to the package and there was no invoice or info for me to call and cancel. I did not receive an email from the company to use to cancel. I do online banking and looked at the transactions online and there was no contact information for the company there. I contacted the card company and claimed this as fraud since I had no ability to dispute the charge or cancel. The representative indicated that they would not consider this as fraud since I made the initial purchase ( I did not dispute the first charge, just the subsequent one ). I received a letter from the card company ( photo of the letter attached ) saying they wouldn't consider it as fraud and my only recourse was against the merchant. This, obviously, upset me since I had no apparent way to contact the company. The representative indicated to me that my only other recourse would be to cancel the card and get a new number so that the charge couldn't come through again. I was reluctant to do this because I have recurring purchases on the card and I would have to go online to a dozen places to change out the credit card number. Since I started this process with the card company and before I received their letter ( today - XX/XX/XXXX ), another charge came from the company ( dated XX/XX/XXXX ). The card company also did not provide a provisional credit for the XX/XX/XXXX charge that I was disputing. The original charge appears to have been XX/XX/XXXX. I decided I would go to the CFPB website and dispute, so I went to look at the .pdf of the statement. On the printout of the statement was a phone number, so I called that number and, it appears, this charge will no longer come. My complaint is for the XX/XX/XXXX charge from XXXX, as well as the XX/XX/XXXX charge that came while no provisional credit was made and since Visa did not attempt to contact the merchant. Also, I note that the online transaction showing in my First Tennessee online banking ( this is a First Tennessee Visa ) did not include any contact information for the company. When I talked to the representative, I indicated the fact that I had no way to contact the company. If that phone number were available on the transaction, why did he not give it to me to call? If this call ends up having taken care of things, I could have made the call before the XX/XX/XXXX charge came through. I can provide copies of the statements if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TX

Complaint narrative:
ftc violations was sent to XXXX  XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe

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 2019-06-25 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: TX

Complaint narrative:
ftc violations was sent to XXXX XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Companies Involved On Report- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-whom the complaint is about. 

The issue is with the non-response to the help I need in dispute and clear my record. No one on this report knows who XXXX is, they think they are the hand of XXXX just the same. I can not get a checking acct from any bank with this info on my report. XXXX  told me they couldn't help me and I needed to call each company on the report and I did that and was pointed back to XXXX. I want them to be spoken to about disputes for consumers.

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 2019-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
XXXX of XXXX, Massachusetts Educational Financial Authority & XXXX XXXX XXXX XXXX ( MEFA/XXXX ) sold my accounts to XXXX ( XXXX XXXX XXXX ) without any notification of the change. My credit report reflects payments were made and completely up-to-date up to XXXX of XXXX. I found out that my loans had been sold when my payments were not being processed as they had in the past. I contacted MEFA no one could provide me with any information about my accounts other than they had been sold. When I contacted XXXX, no one could find my information or how to pay. During this time, I did not make monthly payments due the lack of clarity and the potential of the {$350.00} payments to be lost in a paperwork shuffle or having to pay both MEFA and XXXX until they straightened out their act. I was also told by MEFA during this period ( XXXX, XXXX & XXXX ) any non-payment would not be reported to the credit bureau as XXXX did not receive approval to send refinancing papers to clients. This whole situation was very concerning, and I made several attempts between XXXX and XXXX to find out where my payment should go, however neither MEFA or XXXX could clearly get this addressed. 

XX/XX/2018 : Noted that our MEFA payment was not processed as it normally had. Contacted MEFA Customer Service - Told that they were having processing issues to call back the following week. 
XX/XX/2018 : Contacted MEFA again - no answers as to why our payment had not been processed. Reassured that there would be no reporting of non-payment for XXXX, XXXX & XXXX as XXXX didn't receive approval to send out refinancing paperwork to clients. 
XX/XX/2018 : MEFA again - " Information should be sent out to borrowers within the next few weeks '' XX/XX/2018 : MEFA again - " no approval as of yet for XXXX, call back in another week. 

Based on the facts : 1 ) Loan was transitioned to a new company without my knowledge 2 ) For 3 months, neither MEFA or XXXX could provide any information regarding my loan or who I should pay, or where to submit payment! 
3 ) MEFA on multiple occasions told me that non-payment would not be reported to the credit bureaus due to their handling of the situation. 
4 ) I am currently up to date on payments and caught up on the 3 missing months!

5 ) I have XXXX children in college this fall with 1 more to go and I need to borrow to help them pay for tuition. This situation should not affect the interest rates I receive, or limit my ability to help my children financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I had a lease with Toyota that I turned back into Toyota for a  purchase. 13 payments of XXXX were put into my finance purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I called Franklin American Mortgage company to understand the removal process of PMI. The representative requested my pay {$2100.00} under principal to reach 20 % of my loan amount. I paid and requested amount to remove my PMI. The lender provided me a mail id and asked me to send a mail ( no procedures given ). I spoke to customer care couple of time and chat with them on XX/XX/XXXX. There is no proper response from the lender/CC to remove the PMI. I sent multiple mails to XXXX. No response. There is no direct number to discuss on this regards. For the past 3 months I have been paying my PMI even after reaching 20 %. Lender says it will take 2 monthly to get reply for the mail. The ticket I opened with the lender got closed. Federal should take corrective action to save barrower from this kind of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card is issued by BBVA Compass. 

In XX/XX/2019, I made online payment in amount of {$300.00}. BBVA debited my checking account electronically on XX/XX/2019 for the amount. On XX/XX/2019, BBVA electronically debited again in the same amount, {$300.00}, from my checking account, which I did not authorize. 

I immediately contacted BBVA and complained. BBVA service person stated BBVA would not allow electronic refund, and BBVA would mail a refund check which would take two weeks. It took twenty days for me to get the money back. 

In XX/XX/2019, I made online payment in amount of {$570.00}. BBVA debited my checking account electronically on XX/XX/2019. On XX/XX/2019, BBVA electronically debited again in the same amount, XXXX, from my checking account, which I did not authorize. 

On XX/XX/2019, I noticed the second unauthorized payment and contacted BBVA. BBVA service representative, XXXX, was unable to explain why this happened, and again BBVA would send refund check via mail which would take two weeks. I talked to XXXX 's, supervisor, XXXX ( XXXX ). XXXX was unable to explain why my checking account was debited twice. XXXX stated BBVA would  not refund electronically and insisted I accept the refund check via mail, which would take two weeks. It took considerable amount of time and arguing on my part to have XXXX to make a request an electronic refund to my checking account. XXXX did not know if her BBVA supervisors would accept her request for electronic refund, and if BBVA does not accept her request, I would receive refund check via mail in two weeks.

I believe BBVA is negligent in handling and managing account transactions, BBVA did not know why my account was debited twice, and BBVA did not offer a reasonable resolution. BBVA, while service representatives were cordial and polite, did not care for its customer 's financial wellness. BBVA caused the problem but refused to make reasonable resolution nor assume responsibility. BBVA 's manner of running its business was reckless and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XX/XX/2019 : My family and I leased the car for {$250.00} per month, which was due on the XXXX of every next occurring month. 

Around End of XX/XX/2019 : Toyota Financial Services ( TFS ) called us and said that they didn't receive the payment although the bank statement proves otherwise, showing that it was deducted. 

XX/XX/2019 : The monthly payment was refunded. This is an important detail, although seeming minor. 

XXXX, XXXX, XX/XX/2019 : They took the monthly lease for the car successfully. 

XX/XX/2019 at XXXX XXXX : They towed the car away and said that we didn't pay them for three months of the lease. 

XX/XX/2019 : We payed {$1200.00} through the phone using a debit card. For the tow services we payed {$130.00} cash. 

In summary, the company relentlessly refused to acknowledge that we payed for the car despite sending our bank statements to TFS which was enough proof. They refunded the XXXX payment on purpose so they have a reason to tow the car, as their policy states that our car can not be towed if we payed for three months consecutively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
One Main Financial calls me four to five times a day. I work during normal business hours and can not be contacted at work. They reach out to my husband as well. We receive several calls and voicemails a day. I have voicemails releasing private information. The voicemail states they are contacting me on a past due balance. They need to speak with me on my account it is urgent. They have left the date my payment was due. I have made contact and scheduled a full payment and they still continue to call. My payment was due on XX/XX/XXXX, today is XX/XX/XXXX. I understand if I have not spoken with anyone or made a commitment but I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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 — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the BBVA customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the BBVA payment system will now allow them to process the payment. I was willing and ready to make my payment and BBVA did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XX/XX/XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
US Dept of Education online site XXXX XXXX, XXXX, NEXXXX thru web disability discharge does not respond in 120 days therefore credit report agency and debt collection letters. Social Security has deducted {$310.00} so far began in XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, began deducting without prior notice. Prior notice would have found that I received XXXX XXXX XXXX XXXX by a physican signature, my primary care for over 14 years. The forms were submitted in XX/XX/XXXX. I sent copies of these forms to above address and they have NOT acknowledged the receipt even with a tracking verification. 
I have NOT been emplyed since XXXX. 
I have emailed the company Nelnet several times their letter specified 120 days to resolve. I do not know why there is a problem. BUT I intend to seek refund of the money deducted from my ssa benefits. HINT : Since the deductions were automatic, I am homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC
State: NJ

Complaint narrative:
my business closed the merchant account with the XXXX XXXX  XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.

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 explanation
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XX/XX/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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX XXXX XXXX, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from XXXX XXXX on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and MTGLO Investors, LP as the Owner of the Loan 13. On your letter XX/XX/XXXX, Rushmore indicated she is servicer of loan and the owner of the Loan is XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX, Phone # is XXXX 14. On XX/XX/XXXX, CFPB officer asked me to find exact Name of the Owner of the Loan, Website Address, Mailing Address and contact Phone Number, Ive Called the above Telephone Number given by you is the XXXX XXXX not 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 2019-06-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the XXXX customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the XXXX payment system will now allow them to process the payment. I was willing and ready to make my payment and XXXX did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XXXX of XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.

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