vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One charged a False Cash Advance Charge for {$10.00} which was applied to the balance. The reason they claim this was charged was because a payment I made for a loan through a bank with a Credit Card, they 're claiming was a Cash Advance.
This is a fraudulent Fee Allocation because I simply used a Credit Card to pay a bill, not to receive cash or a cash loan. I have discussed this with a Credit Card Attorney, and they 're claiming that you can not allocate Cash Advance Fees for Transactions that took place where no Cash was received by the borrower. If the borrower is not absolving any cash, then such transaction is categorized as a Purchase. Furthermore, the Available Credit on the account appears to be demoted to {$0.00} even when there 's sufficient credit available above {$0.00} as a result of Pending and Posted transactions.
Speaking with some representatives at this company, I am shocked at how some of these people address borrowers. These people are extremely unprofessional and tend to deflect any responsibility for any wrongdoing. If this behavior continues, I will gather a group of members together to file a civil action lawsuit against Capital One for abuse of its authority and wrongful debt allocation. I am not alone in this situation, and luckily I know many people who have the same issues with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI BANK CLAIMS THAT I WAS LATE MAKING A PAYMENT FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2017 IN REF TO ACCOUNT # XXXX. THIS IS FALSE! I HAVE ATTACHED COPIES OF CHECKS THAT HAVE CLEARED MY BANK, WHICH PROVES MY PAYMENTS WERE DELIVERED ON TIME. I ALSO HAVE PROOF THAT I MADE MAY PAYMENT ONLINE AND ON TIME!
CITI BANK HAS REFUSED TO MAKE THE NECESSARY CHANGES AND CFPB HAVE SAT BACK AND ALLOWED THEM TO DO WHATEVER THEY WANT. I SUBMITTED A COMPLAINT TO CFPB WITH PROPER DOCUMENTATION AND CFPB DID NOT TAKE ANY ACTION ON BEHALF OF ME, THE CONSUMER, BUT STAYED MUTUAL AND REFUSED TO STEP UP! I HAVE BEEN BATTLING CITI CARDS ON THIS FOR SEVERAL WEEKS AND I 'M PISSED AS YOU CAN TELL! I MAY HAVE BETTER RESULTS WITH THE BBB!

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 2017-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Cashnet payday loans allowed a loan to be processed in my name without consent to be deposited in a XXXX XXXX account not in my name. If I did not have XXXX I would have never know. Cashnet and XXXX XXXX failed to verify any approvals by me personally. I have spent hours trying to rectify but I am having problems getting a police report to CashNet since this was online crime and Cashnet requires this. My credit score dropped almost 200 points. This is causing me great anxiety and it still not rectified. It appears that CashNet has no interest in rectifying this and that they must benefit show how as the middle man despite it being fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I got the XXXX corporate rewards ( XXXX points = {$250.00} ) card and I lost it in XXXX 2017. I called XXXX then to send me a replacement card immediately in XXXX 2017. I never received the replacement card and i forgot to follow-up on this request. I called the same number today and they are telling me that card expired in XXXX 2017 and there is XXXX balance on it. This is unfair because they did n't send me the replacement card and now it expired. Did they wait for the card to expire so that i dont get any money back? It is {$250.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
On VA Lender last response on XX/XX/XXXX through CFPB portal it stated that VA Loan modification was completed on XX/XX/XXXX and it was with the lender underwriter investors for review.
Is going over 60 days and I have n't receive the VA Loan modification Approval in making my mortgage affordable.
I like to receive the VA Loan modification documents immediately by XXXX XXXX so I can review, and sign and sent back by XXXX XXXX.
Also make the affordable VA Loan Mortgage starting XX/XX/XXXX.
I am XXXX XXXX and Retired.
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.

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 2017-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
A letter was generated to my employer from Stephen Einstein and Associates on XX/XX/XXXX. The letter was regarding a debt from XXXX, where a judgement was made in XXXX 's favor as of XX/XX/XXXX. However, the debt that this " collection agency '' is attempting to collect has exceeded the 6 year statute of limitations in which you can legally collect on a debt. The letter my employer received stated that it was a subpoena, however this document was not signed by a County Clerk, nor was it delivered by a Law or Court enforcement employee, it was not sent certified mail either. The Einstein agency is attempting to collect on a total of almost $ 20K in manner that is not lawful. The letter advises you to visit their website for further assistance, yet their website www.stepheneinstein.com is n't available ... while I 'm aware that Sunday is n't a legal day to collect on a debt, the fact that their website is n't available makes this matter that much more questionable.
It 's my understanding that this Stephen Einstein and Associates took over a defunct XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which had a class action lawsuit against them for illegal collection practices ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: GreenSky, LLC
State: SC

Complaint narrative:
In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: LA

Complaint narrative:
I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I made a formal request to XXXX, Experian, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, Experian, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

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 2017-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: PA

Complaint narrative:
I received a loan from payday lender XXXX on XX/XX/XXXXin the amount of {$970.00} with an interest rate is $ 772.94 %.
I contacted the lender in XX/XX/XXXX to request an extension for the {$290.00} that was scheduled to be drafted from my account on XX/XX/XXXX.
I spoke with a Representative named XXXX*****. He agreed to the extension and to submit a {$250.00} payment to my bank on XX/XX/XXXX. When I advised that I would be filing a complaint with the Federal Trade Commission, he came up with a new payment plan.
I feel like I am paying double the amount that I borrowed ; here is why : Loan amount of {$970.00}.
1st payment {$330.00} on XX/XX/XXXX 2nd payment {$290.00} on XX/XX/XXXX 3rd payment {$290.00} onXX/XX/XXXX 4th payment {$250.00} on XX/XX/XXXX Total {$1100.00} The new agreement is {$250.00} to be paid on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. Final payment of XXXX onXX/XX/XXXX
Essentially, that is an additional {$970.00} which is the same as the loan amount. Currently, I am unable to pay more towards the principal or pay off the balance.
I feel as though I have no other option with settling this loan, and that I would have been better off making payment arrangements for the bills that led to borrowing from a payday lender. NEVER AGAIN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: VA

Complaint narrative:
My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.

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