vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I recently filed a complaint on usaa for reversing a credit they gave me from their fraud department because they refused to upload the documents to the fraud team for my proof that I was being denied a package/product I ordered. I was told that I didnt send the documents in to the proper department as the reason why the credit was reversed. Then after I filed the first complaint with the CFPB about a week ago a woman by the name of XXXX contacted me and told me my claim should have been submitted as a credit dispute and that SHE herself resubmitted it with all the documentation I uploaded, and even though Inhave supporting documentation from USPS oig Investigation team stating that I wont get the package back, MRS XXXX claims she cant guarantee that I will get my XXXX that the bank stole from my account back. They are lunching with veterans money and this has to stop now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?

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 2018-12-20 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: NJ

Complaint narrative:
Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, Transunion and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my 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 2018-12-20 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: MIDCOUNTRY FINANCIAL CORP
State: NJ

Complaint narrative:
Good morning, I am XXXX XXXX in the United States XXXX XXXX and have been for XXXX years. I am attempting to get a home loan. My two children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family.

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, XXXX and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For at least the last 2 years I have been getting double billed to 2 different credit cards for credit monitoring.

The accounts are associated to 1 social security number and Experian has seen fit to bill both cards the monthly membership fee.

For the past 2 years I have been billed {$26.00} to 2 different credit cards.

I would assume that credit reporting agencies would flag multiple accounts associated with a single SS number as possible Identity theft. This feels like a failure on both sides of this arrangement.

Mine for not catching this sooner and the agency for not having enough monitoring of their accounts to notice multiple accounts associated with a single SS number.

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 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: GA

Complaint narrative:
My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had XXXX XXXX close their credit card and send it to XXXX   Services, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX   Services agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX   XXXX had to delete the account then in late XXXX  it was put back on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Neltnet Student loans are dismissed because Im on XXXX XXXX XXXX since XX/XX/2016. Bankruptcy from the court in XXXX XXXX, Texas that was dismissed in XX/XX/2012 still showing under public record. Its also making it difficult to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: CT

Complaint narrative:
On XX/XX/2018, Navient took {$410.00} out of my account when they were only supposed to take out {$240.00}. When I contacted Navient I was told I had to prove that amount was taken out and that it would take 10 to 12 business days for me to receive my money. Even though they made the error, I had to do the work to get my money back and then it would take almost two weeks for me to receive what Navient took in error. On XX/XX/2018 I received {$160.00}, the difference of what I owed for my monthly payment. I received my money 14 days after Navient took it. On XX/XX/2018, I spoke with a customer service representative from Navient. I asked for my payment for the month of XX/XX/XXXX to be taken out on XX/XX/18 instead of XX/XX/18. He made the change for me and then re-entered me into the income based repayment program. I was told my new monthly payment would be {$330.00}. I was also told that my XX/XX/XXXX payment would come out on XX/XX/XXXX and that it would be {$330.00}. I woke up on XX/XX/2018, to find that {$410.00} had been taken out of my account from Navient, I was overdrawn on my bank account, and my bank had charged my the {$35.00} overdraft fee. This is the second month in a row that Navient has made an error regarding my account. Now it will take another " 10 to 12 business days '' for account to be credited and I have to prove to Navient that they took it, and once again, do all of the work to get my money back, which they took in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had American Express close their credit card and send it to XXXX XXXX, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX XXXX agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Travel Related Services Company , Inc. issues the Amex Bluebird card in partnership with XXXX. I have been using this card for direct deposit and as my primary spending instrument for a number of years now. On XX/XX/2018, I returned a broken retail item to XXXX  and was issued a refund with no troubles from the store. The object was obviously defective and my money was credited back to my card. The amount in question was {$140.00}.

This amount has, as of XX/XX/2018, still not been made available to me in my account. Due to this, I have had absolutely no money to my name for a week now. I am desperate to have this resolved. I know the amount of money involved is not a large sum, but I was relying heavily on it to feed my family, as I am a poor man. Because of this glitch, or whatever it is, my XXXX  XXXX-year-old XXXX XXXX   and my XXXXyear-old have not eaten since Tuesday, when they ate saltine crackers and catsup. My wife and I have not eaten since Sunday. With tomorrow 's meager paycheck, I will have to buy food and I will not be able to even purchase the cheap XXXX XXXX toys I was going to leave under the XXXX Tree this coming Monday evening.

This money does not belong to American Express. It belongs to me. I have no one to whom I can go for a small loan or any help. The soup kitchen in my area is a violent den of drug users and drug dealers. I do not qualify for benefits because I do have a job. And normally I can afford to just barely squeak by, but every penny counts in my home and American Express 's arbitrary hold policy is literally starving my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX  XXXX had to delete the account then in late XX/XX/XXXX it was put back on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: MO

Complaint narrative:
The call comes in unknow. I've asked them to stop clling me but they continue to call myself and my husband 's phone. I have no business with them nor do we want to. Very unprofessional employees as well.

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 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My servicer Navient keeps placing me into forbearance because I can not afford the large monthly payment of my loan. This is costing me about {$12000.00} per year in capitalized interest and that number continues to grow. I will never be able to afford the payment. The servicer has not offered me any other options. I believe the servicer has also incorrectly reported missed payments to credit bureaus. How would I have any missed payments if I have been in forbearance for three years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I was trying to purchase football tickets from an online seller. After communication via text and phone conversation with the seller he suggested using XXXX, which was offered through both BB & T and XXXX XXXX XXXX. The seller suggested using this method because it was through both of our banks and it was secure. He said that it was registered through his bank and that if I did not get the tickets I could file a claim through the banks. None of this is true. XXXX is set up on the banking websites but they do not actually protect from consumers getting scammed. This is horrible business. Any services offered by a bank should come with some sort of consumer protection. If i were to use my credit card for these services it would be backed. this is a poor way for banks to set their customers up to be vulnerable to scams. remove the XXXX app and options until more protection like that offered by XXXX can be offered. requested a refund from both my bank and XXXX XXXX XXXX and neither offered any solutions at all. they expect their customers to just eat the cost of these scammers and offer no solutions.

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 2018-12-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
On XX/XX/2018 I purchased a XXXX gift cards for my son 's XXXX present. I never received the card. I have strong reason to believe this is due to my United States XXXX Veteran status. There is no other reason to block the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MN

Complaint narrative:
I checked my credit, but I never got any notification about this bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: AR

Complaint narrative:
need a copy of original contract signed

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 2018-12-20 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: CL Holdings LLC
State: TN

Complaint narrative:
I have never had any account nor signed any agreements with XXXX XXXX XXXX. However they are on my credit report demanding {$1100.00}. This is incorrect and It needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BTH Management
State: OH

Complaint narrative:
XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times.

.

XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2018 XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017

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 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
I checked my credit report and found this account never get any notification no way to reach my account with the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid.

I made all payment on time to the aggreement.

They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation