vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I bought an XXXX computer on a promotional rate with a Barclay Credit Card. It was a program set up through XXXX. <P/>When I did the promotion I received a general credit card to use anywhere as well. <P/>I 've been paying monthly payments for more than a year and was recently shocked to learn that very little went toward paying off the promotional rate. I thought they were applying some of my payments toward this but turns out they were not and they say they did not have to until the last two months of the promotion.
<P/>I 'm quite confused about when I make payments how to make sure it goes toward paying off that promotional purchase. I can not figure out how much of each of my payments is even allocated to paying it off. <P/>The promotional rate ends in early XXXX and I 'm still trying to figure out how I can pay it off. <P/>The promotional purchase is roughly {$1000.00}. The total amount I owe on the card is {$4000.00}. <P/>I want to make a couple of payments between now and XXXX so it 's paid off. <P/>I feel this is very misleading. I have another promotional purchase card with XXXX XXXX and they are very upfront about the payments and applying it to the promotional amount so you are not charged back interest. <P/>I feel this is very misleading and sets consumers up to fail and owe the bank all the interest from date of purchase.

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 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC.
State: IN

Complaint narrative:
It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I  applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. <P/>The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60  days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. <P/>120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX  balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. <P/>After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.

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 2017-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: U.S. BANCORP
State: MT

Complaint narrative:
I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.

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 2017-07-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or around XXXX XXXX, XXXX, I contacted Equifax and XXXX in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to Equifax and XXXX for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX. After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute via certified mail on XXXX XXXX  2017 to all 3 credit bureaus : TansUnion, XXXX, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from TransUnion were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from TransUnion. I have not received anything from XXXX regarding this dispute and it has been over 30 days. I contacted XXXX about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.

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 2017-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I bank with  XXXX  and deposited a check by my neighbor on the mobile app it showed depositing into " account/routing # '' so assuming it was my account # I used it for my direct deposit form for my new job. On  XXXX  my check of {$ XXXX } was deposited into my neighbor 's account for Bank of America because of the glitch on the mobile app. I called Bank of America and the first person went into the account and said it was deposited and to go to the neighbor and get My money back. My husband called again to see why the account was n't verified and the  3 ba nk of America employees/Managers said they do not verify names  or SSN for  direct deposit. We called the BBB and they said that is incorrect so we called Bank of America back and they said BBB are liars. No one was willing to help us not even willing to inform their customer that their account was added funds incorrectly. My neighbor is a good guy and is out of town any money he spends that is mine can and will be fraud.

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 2017-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?

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 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: YKS Acceptance, Inc.
State: IN

Complaint narrative:
I contacted Herbies Auto Sales ( XXXX XXXX XXXX XXXX ) about this consumer action ( XXXX XXXX XXXX ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release for my car purchased in XX/XX/XXXX. <P/>I was told today when I talked to YKS management that my account was " credited '' the amount of {$470.00} last XX/XX/XXXX. The problem with this resolution is 1 ) I never received any information from YKS in writing indicating this credit was applied to my account at any point prior to my loan being satisfied or after. 2 ) the manager also asserted this {$470.00} credit satisfied the terms of the CFPB settlement agreement despite what the actual consent order says that the actual refund should be for {$1600.00}. <P/>Nothing on any of my bills received from YKS indicated any kind of credit lowering the total balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since last year I disputed an inaccurate address on my credit report, in order to filed the allege disputes, i was asked by the credit report agency to submit some documents such utility bills, a valid new york state driver license and others to support my claim, as a result of the investigation of the credit report agency the following address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX has been disputed. And the only address and correct remaining on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. On XXXX XXXX, 2017 when i ordered my credit report the wrong address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX never been disputed and remain on my credit file despite i already submitted copies of my new york state driver license, XXXX XXXX bill, social security card as well, i called there credit report agency to file dispute again, unfortunately they did not remove the wrong address, and also reported a wrong date on my auto loan XXXX XXXX,2017 instead of XXXX XXXX,2017. My auto loan account was opened on XXXX, 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 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: IN

Complaint narrative:
I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.

Company response to consumer: Closed with explanation