vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
My payments were not late, and are being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Services Corporation, LLC
State: NC

Complaint narrative:
Paid off balance with the company. Was owed money by the surgeons office, they remitted this money not to me but to HCS. So, I contact HCS about them sending me a refund and was told it can take up to 60 days. Well, 60+ days later and they are researching. There is nothing to research, they owe me what came in from my doctor incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have an open collection account for {$38.00} on my Equifax file that was removed from XXXX and XXXX  a long time ago. The account shows as " Consumer disputes this account information ''. I have disputed this account twice with much difficulty. When attempting to submit a dispute with Equifax, I am asked a set of four questions regarding my credit file - many of the questions are based on accounts I never had, bank cards I've never had, and an auto loan that I've never had and never applied for. Only once ( out of several attempts ) was I asked questions that were based on correct information. One time, I even called Equifax to submit the dispute. It was extremely difficult to do so and I never received proper documentation after submitting the dispute. 

Recently ( approximately two weeks ago ) a duplicate of the same collection was added to my credit file and showed that I had not disputed the account. This morning I checked again and the duplicate was removed but the initial disputed account remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I am having issues with USAA Savings Bank and their reporting to the Credit Agencies. I have sent them 10 letter disputing what they have noted on my Credit Report. When I call their customer service team, they agree with me and say it will be updated. I have provide a great deal of information to no resolve. I even wrote the President & CEO, whose office says it will be corrected and they say it will be corrected and has not been done. 

The rrors are as follows, they say I was late the following times : XXXX - XXXX, 30 days late XXXX - XXXX, 60 days late XXXX - XXXX, 30 days late This account has been open since XX/XX/XXXX and never late before or since. I was told one customer service agent that this was due to a " mix-up '' with another account and it would be fixed and it never has. USAA is such a large institution, I think I have been the victim bureaucracy PLEASE help me get to the right people to remove these errors on all three of my credit reports. I appreciate it so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My account shows as delinquent when it was not ; the company selectively and subsequently closed my account and reported this to credit bureaus.

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 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have funds in my Suntrust account that will allow me to pay off my loan with their lending company, LightStream. I went on Suntrust 's account to transfer the money, but the site would not allow me to do that. I went onto LightStream 's website, and it would not allow me to make a same day payoff. The earliest I could payoff my loan was Tuesday XX/XX/23. Not wanting to be charged additional money for this, I called. They, too, said I could only make a payoff for Tuesday XX/XX/23. I advised I did not want to pay the additional interest, and they told me unfortunately that is their policy and I will pay around {$8.00} extra in interest because of this. I spoke with a supervisor, who also said I would not be able to pay my account today. I had to schedule something for Tuesday XX/XX/23. I called a local Suntrust branch to ask if I could go to a branch to payoff my account in person, but I am not able to do that, either. I believe this is an unfair and deceptive practice. Although this amount may seem trivial, when multiplied over their customer base it becomes quite the scheme. I believe that if I want to make a payment for today 's date, it should not be refused.

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 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Services was taken over by New Rez. I attempted to change my checking account number online for auto debit. Instead of just changing the account they debited my account and created an overdraft. This cost me a {$35.00} bank charge as well as New Rez charging me {$25.00} for the overdraft also. I called and complained and they confirmed with the representative XXXX that both fees will be reversed. I then received a Certified letter from New Rez dated XX/XX/XXXX that contradicts what I confirmed was happening. I want the Shell Point and New Rez to have a complaint placed against them to avoid this from happening in the future. In addition the representative refused or was unable to document our conversation via email nor was able to give full information on the company to report this to CFPB properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My sister in law was contacted by Navient regarding my student loans. She was informed that my student loans were past due. This is illegal and in violation of FDCPA, Section 15 USC 1692c, Section 805b. I have not given permission for Navient to provide information about my debt to a third party. KC is my sister in law ( not my parent, or spouse ).

Navient has continuously called an harassed me also in violation of FDCPA, [ 15 USC 1692d ] 806 ( 5 ).

These are two violations of the FDCPA. 

I seek immediate and swift legal action in accordance with the law and the aforementioned statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Constant and annoying calls that don't stop if you don't answer and if you do answer they try to manipulate you into a promise, happens all hours of the day and night, during hours I am at my place of employment, On the weekends. I have asked the company to cease phone communication and that their correspondence can be via XXXX or email. They told me that I would have to send them a letter requesting the calls stop. I sent them a letter even though I verbally told them to stop calling. They said they never received the letter. I once again asked them for the final time to quit calling and that they could communicate via email or XXXX as long as that didn't become to a harassing level as well. I have not been past 30 days and still get these calls nonstop.

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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: KY

Complaint narrative:
BB & T charged me 5 overdraft fees in the last week, one on a {$10.00} item. I understand some of them, but there has to be common sense you can not charge 3 times the withdraw in fees. They even charged me when my direct deposit was showing in the account status.

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 2019-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
I am a victim of Identity theft. XXXX XXXX  that is now closed. I disputed this back in 2016 and and I am trying to open up a account with a new credit union and I am told I I owe XXXX {$460.00} dollars. I contacted XXXX XXXX and they are now investigating it. My issue is that I disputed this 3 years ago and the Credit bureau fixed it but except XXXX XXXX. It has been almost a month since I contacted XXXX XXXX and they have not gotten back to me. XXXX XXXX is no long open They are now Called First citizens bank and I contacted them they said they have no trace of this debit. I just want to open a new Bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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:
I applied for an XXXX XXXX credit card through XXXX XXXX XXXX. 
i was denied as it stated " I was currently or have recently been enrolled in a consumer credit counseling service or reduced payment plan ''. That is not me, but my ex husband. 
The report was through experian.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
The company NorthStar Debt collection has been constantly calling on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and were previously calling from a different number. They say they have information but leave no name of who they are looking for. Initially I was worried and pulled my credit report since I know I dont have any debt collections and my report showed nothing. They constantly call and leave messages, and there is no reason they should be calling me. Clearly they dont leave a name of who they are trying to contact and the calls have been non stop for about a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX sent a physical paper mailer to an address of my employer, which is not an address I have ever used or entered anywhere, so this indicates they are crawling the internet and collecting incorrect, private information. The mailer they sent out promises " FREE STOCK '' and other dubious claims, which indicate this is very likely a ponzi scheme scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Credit Plus Inc
State: IL

Complaint narrative:
My husband and I were beginning the process of applying for a mortgage last summer and began association with the company XXXX XXXX. XXXX XXXX did a hard inquiry at that time on my credit which was good and close to excellent. XXXX XXXX proceeded to do hard inquiries at least three more times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX without my authorization which consequently has brought my credit down to an official " fair '' condition. I am paying an unfair consequence for actions this company took without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had multiple fraud transactions on my account from companies that are not authorized too debit bofa closed my account after they issued me temp credit i went ahead and submitted police report too bofa too no avail they have not helped me or refuse too help its been over 7 months now when i call claims department they say the same thing still waiting for someone too look at claim very unacceptable this is my money thats been debited without authorization.

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 2019-04-19 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - XXXX XXXX XXXX - in regards to an outstanding balance of {$1500.00} ( ref # XXXX ). I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - Convergent Outsourcing. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted Convergent ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to Convergent from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and Convergent. Albeit, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!

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 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
Through my financial institution 's bill pay, I mistakenly sent a Discover Credit Card payment to an old Discover Student Loans account that was paid off. This was made on XX/XX/19, and as of today I still have not received a refund. Discover Student Loans recognized the payment, and stated that someone from their accounting department would be contacting me. I've heard absolutely nothing. They were unable to move the payment to my Discover Card, and now seem unable to refund it back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
At approximately XXXX XXXX EST on XX/XX/19, I called XXXX. 
The automated voice system would not let me speak to customer service. I only validated the last 4 digits of my social security. As I repeatedly asked to speak to customer service, the automated voice system activated a replacement card without my consent.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: MI

Complaint narrative:
XXXX.XXXX XXXX & XXXX XXXX has prosecuted a civil action, in the name of XXXX , XXXX in the XXXX XXXX district court of Michigan, against this consumer since XXXX. Mandarich law group , LLP and XXXX XXXX ( p XXXX ) et al, have also become intimately involved in the action against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX became aware that documents submitted in the district court action by XXXX.XXXX XXXX & XXXX, contained endorsement by an individual not authorized by the State of Michigan to act as a notary at the time of endorsement. 

On or about XXXX XX/XX/XXXX, XXXX XXXX received email confirmation from the State of Michigan Office of the Great Seal that the individual XXXX XXXX XXXX did not have an active notary commission at the time XXXX XXXX XXXX & XXXX created the affidavit that the XXXX XXXX district court used to find against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX submitted a complaint to the office of the great seal along with the affidavit containing the false notary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
There was an unauthorized transaction made on my bank account. The company Remitly Inc., sent money on XX/XX/2019 at XXXX for the amount of {$2100.00} XXXX. I log in to my account and immediately I noticed a transaction was being process without my knowledge. I immediately called them to cancel the transaction but after 20 minutes waiting to get their attention, they said it was sent already and they can't cancel it. I also called my bank immediately and asked to stop the unauthorized withdrawing from my bank account but it was withdrawn so fast. Called the receiver, XXXX XXXX in the XXXX to be aware of the erroneous transaction and let the local bank knows about it. 
I spoke to their manager XXXX and assured me that they will refund the money back. Talking to XXXX and 2 other people last XX/XX/XXXX and XX/XX/XXXX, they demanded that I have to ask my recipient XXXX XXXX to return the money with all the fees incurred and with lower exchange rate and I have to pay them so they can return the money to my bank, XXXX XXXX XXXX. 
I investigated and log in to my Remitly account and the sceen/page showed that I have not touched the SEND bottom to resend the same amount as my previous transaction. Please see the attached copy. 
This is my right according to their Remitly 's Error Resolution and Cancellation Notice. 
WHAT TO DO IF YOU WANT TO CANCEL A MONEY TRANSFER You have the right to cancel a transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel you must contact us at the toll free number or email address shown above before we deposit funds to a bank account or your recipient collects the remittance. 
When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipients account. 

I am seeking your assitance to this matter. I appreciate the help you can extend to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Ca XXXX Tel. No., XXXX

Company response to consumer: Closed with explanation