vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Netspend Corporation
State: CA

Complaint narrative:
Currently, I am using Netspend as payroll debt card for the past couple months. I have been their customer for over one year. However, this is the second time that someone in the company has locked my account and online access due to unknown factors. Personally, I believe that someone has a problem with my job at Netspend in order for them to lock me out of my account. I have my payroll checks going into this card every week and it seems like they are getting mad at that fact. My friends told me that this card was very safe to use but now I am not sure. I just want to know if it is okay for me to use this card or are they going to lock me out of my account for no reason?

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default

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 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help 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 monetary relief
Consumer complaint received 2017-11-06 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: The Bureaus, Inc.
State: TX

Complaint narrative:
XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.

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 2017-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
Case file # : XXXX {$930.00} settlement amount {$350.00}. 


I have received several threatening emails. I have no knowledge of such loan made. 
The emails never state the original date amount or date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: NY

Complaint narrative:
I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.

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 2017-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Since XXXX XXXX, XXXX XXXX XXXX have been reporting incorrectly and showing a balance, late payments that does n't exist. The credit bureaus shows that I have a balance of {$370.00} and still reporting as past due. I have called the XXXX XXXX XXXX and explained it to them and they agree with me that I should n't have anything reporting with them. I also dispute this with the bureaus numerous of times without any resolution. Now I 'm feeling ignored because I have shown proof with documents that shows that my balance is zero and I was never late with any payments. However, nothing has been changed by either parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SHAPESHIFT AG
State: PA

Complaint narrative:
I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 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: ERC
State: GA

Complaint narrative:
ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.

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 2017-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: AES/PHEAA
State: VA

Complaint narrative:
I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Since early XXXX when I read about the Equifax security breach I have been trying to sign up for the free credit monitoring service offered by Equifax. Early attempts did not allow me to access the web site. Since that time I have called many times. Too many to recall, but now I have started to email my complaints to Equifax. Their website indicates my information was compromised, so I tried to enroll for credit protection from their promised services. I have made five attempts to date by phone, the last phone call was about 30 minutes ago to XXXX. Each time I get to the question of last four numbers of social security and date of birth, their system indicates information does not match. I called Equifax at XXXX on XXXX/XXXX/XXXX. A woman gave her name as XXXX and she laughed at me when I gave her my information. I immediately called back and requested a supervisor, a man answered and said no supervisors are available but he would take my information and someone would get back to me. No one called back. I complained by email to Equifax customer care at XXXXXXXXXXXX at XXXX on XXXX/XXXX/XXXX. Sent another email at XXXX on XXXX/XXXX/XXXX. Called again on XXXX/XXXX/XXXX and was told to wait 24 to 48 hours to reset password, Tried to log in today and was shown on screen password reset expired.Just now a man from XXXX told me he is from Equifax and XXXX XXXX and he told me I have to send a copy of my social security card and a copy of my drivers license to a yet determined address. He said they have to prove my identity first. I continue to get the run around from Equifax so I need your help to get to the bottom of this fiasco. This fiasco is my personal credit report and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW Financial Services is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
On XXXX-XXXX-2017 I applied for a payday loan with Balance Credit. I was finally able to print off my contract. I was completely shocked at the 325.00% finance rate. The finance charge is $ XXXX. The initial loan amount was $XXXX which I received. On page 3 of the agreement is states that I agree to pay $ XXXX plus an additional interest of 25% per annum. This amount is not listed on the first page. This would be a total amount due of $XXXX. This is outrageous. They are taking $XXXX out of my bank account every 2 weeks. I also noticed a clause that states that they can take out a demand payment anytime and for no reason for anytime. I can't believe that I got myself into this rip-off trap. I can't afford it. They were very deceptive on the charges that would be due. I have read hundreds of bad reviews on this company. Please help me with this. I tried to talk to them and they said that I signed it so I am stuck with it. I hope they are not able to get away with this scam any longer and hurt other people. Thank-you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be greatly appreciated.

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