vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
On X/X/2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have an income based repayment plan with Navient that I renewed in XX/XX/XXXX. I submitted my income information, but it seems to me like they did n't even read the information I gave them. They gave me a payment I could n't afford and basically told me that there was nothing I could do to lower my payment. They told me that my payment increased so much because the interest rate went up and that they had told me the interest rate would change in the original promissory note that I had signed when I received the loan ( back in XX/XX/XXXX ). What my major issue is now, since I 've written several complaints about this company before, is that they keep increasing my monthly payment by a few dollars every single month. I have written to them and asked why my payment keeps going up and they keep saying that it 's because of the varying interest rates and that I had agreed to this when I accepted the loan originally. Problem with that, is that I 've been repaying my loans since XX/XX/XXXX and it 's never been a problem until this year. My principal balance never goes down and they keep telling me that my payments are being allocated properly when I can see that they take half of my payment ( sometimes more ) and apply it to interest, so I 'm never making a dent in my student debt. I do n't make much money, despite trying to get a decent paying job since I left school in XX/XX/XXXX, but they keep raising my payments and give me different reasons as to why as well as telling me that this is what I signed up for when I applied for a loan with XXXX XXXX. <P/>Something needs to be done about this, because after I pay Navient, I barely have enough money to buy groceries for my family, and I certainly do n't have enough money to take care of myself. I do n't believe for a second that my principal balance is going down, because I check my loans almost daily, and I do n't see my principal balance going down AT ALL. I am sick and tired of paying thousands of dollars a year and somehow ending up further in debt every single year. I 'm tired of their excuses and their reasoning, basically telling me that I signed up for this. I am done with their excuses and I need something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian will not/has not removed the 2 judgements on my credit report due to the National Consumer Assistance Plan as of this date. I tried to submit disputes for them, but their website has locked me out from disputing those items as previously disputed. I tried contacting them, but no one will assist me over the phone about removing those 2 items since the records do not contain my DOB or SSN.

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 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. <P/>I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I  needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I spoke with Experian on XX/XX/XXXX as well as XX/XX/XXXX. I noticed my credit report reflected two inquiries from XXXX XXXX (XX/XX/XXXX andXX/XX/XXXX ), as well as an inquiry for XXXX XXXX  onXX/XX/XXXX. All three of these I did not authorize. I explained to XXXX that the instructions on the site said to call them to dispute the inquiries. He said that he can only do that in " special circumstances '' and refused to transfer me to a US Handling Rep. I asked him why the instructions on the website are to call the number that lead me to his desk, and he refused to answer.

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 2017-07-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX/ XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, a rental and history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit to my family account #  XXXX  at the ATM on    XXXX  17.  The ATM misread the check that was for {$4200.00} as only {$200.00}. I asked the bank teller at the branch whether that evening the ACH would correct the error and was told it would clear out at   XXXX   on  XXXX 17. The bank made the deposit correction but then put the {$4200.00} on hold. They removed the money from my wife 's professional corporate account on  XXXX / XXXX / 17 . I am at a loss as to what BAML is doing by putting a hold on a deposit where they removed money from  XXXX  BAML account and then hold it from our personal account. Finally it was resolved but the CFPB should know about these types of electronic systems that create problems for the customers.

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had an american express credit card for 2 years. I have the green card. The card is advertised as 'no limit ' bu then later they claimed it based on your average balance. My card was up to approximately $ 6K average balance. American express then took the card and changed it to a set limit each month which is about {$2300.00} I believe ( I am not even sure since the card was not advertised this way and I never received a new account number or card ). The limit is based on if the credit analyst decide to open up the limit which is false advertisement. It should be based on the TERMS. If American Express is going to change this to a preset limit then they should OFFER to change the card or go back to my average spending balance. I am appalled they have been paid each month and decide to change terms as they decide versus sticking to their offer. For a while, I just stopped using the card altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was expecting a refund from " XXXX XXXX XXXX '' on XXXX/17.  Paypal sent the refund to a closed back account, one that has been closed since XXXX. I have called several times to PayPal to inform them that I have n't received the refund, as well as a conference call with a bank teptesentative telling them no refund was ever received and that I would not receive a refund on a closed account. The rep said she was opening an " internal '' investigation to find out where the money is at and that case was closed immediately due to " a refund being issued ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: ME

Complaint narrative:
I submitted a letter to remove a tax lien that was filed in error by the State of Maine, with supporting documentation from the State that specifically states that it should be removed. TransUnion, LLC failed to respond within 30 days. I submitted another letter stating my rights per the Fair Credit Reporting Act, and asked to be removed immediately with the same supporting documentation. All other credit reporting agencies have removed the tax lien, and TransUnion still refuses to do so.

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 2017-07-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
On XXXX2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.

Company response to consumer: Closed with monetary relief