vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I called Loanme to make a payment because my bank had returned a payment for NSF due to the teller put my money in my savings account instead of my checking account. I spoke to a lady at the company and told her what had happened. She said she would check to see if the payment had been put though for the second time and if so, I would have to make another payment. She put me on hold for few minutes and when she returned she stated that it had been though two times. After, she told me I need to make a payment over the phone which I did. On XX/XX/XXXX, they took out another payment. I called them about the second payment requesting they return my money since I had other bills to pay. After talking to several people, I was told that I needed to send a print out from my bank showing that the payment was taken out. I did so and called the company the next day to see if they got it. I also inquired as to when they would the put the money back in my account. I was put on hold, then a lady came on the phone and said that they had received the print out and that my money would be put back in my account within the next 24 to 48 hours. After 48 hours had passed I called them again because my money had not been put back into my account. This time I was told that they couldn't use the the print out they needed a Bank statement. My bank statement will not come out until XXXX therefore, they are keeping my money. This has put a hardship on me as I can not afford to pay them twice in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I financed a vehicle XXXX XXXX XXXX on XX/XX/XXXX. The total financed was {$21000.00}. The annual percentage rate is 7.90 % per year. Number of payments is 72 months of {$380.00}. First payment due date is on XX/XX/XXXX of {$380.00} but made the payment using a debit card on XX/XX/XXXX. 
Checking through their website at Setf.com I see a payoff amount of {$21000.00} on XX/XX/XXXX. Then on XX/XX/XXXX the payoff amount is {>= $1,000,000}. But why? If I made their first payment before the actual due date. I dont know why it increases the pay off amount by each day when it should be annual percentage rate. How do they expect someone to pay it off quickly when this is happening. 
I reached out to them but each person I speak to gives me a different answer which for me it surely doesnt make sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I had a Target RedCard MasterCard, which I had since 1998. I was set up on their automatic payment feature which automatically drew the full amount owed from my bank account. Last month, I used their online feature to pause my automatic payment for the month and make a one-time payment of {$3500.00}. On XX/XX/XXXX, I received an email from Target RedCard that my payment didn't go through because of insufficient funds. I checked my bank account and verified that I had more than enough funds in my account. So, resubmitted the payment to go through. Again, on XX/XX/XXXX, I received an email stating that my payment was returned for insufficient funds. I called Target RedCard and asked for their assistance. They advised me to make a payment over the phone, then call my bank to see what the issue was. They then transferred me to a third party provider who took my payment over the phone and told me that my account would be current in one to two days when the check by phone was processed. I called my bank and was told that they were no records that any attempt was made to withdraw any funds from my account and that I had sufficient funds in the account. After researching more, I figured out that they were trying to draw the payment from my ex-husband 's account. I didn't even know that the Target RedCard still had access to his account since all my Automatic Payments were drawn from my personal account. 
The next day, I tried to use my Target RedCard and was told that it was declined. I called Target and was told that my card had been canceled for two declined payments. They said that whoever had taken my payment the prior day should have told me that it was already canceled. I explained that the payments were posted to the wrong account, they said that it was still considered a returned payment and they close those automatically. They said that they would make notes that I was not told it was canceled to improve their customer experience, and they offered to send me a letter explaining why my card had been canceled. 
When I expressed my shock and disappointment, the supervisor on the line said that they understood my frustration and that I could reapply for a Target RedCard at the store. I explained that I had been a cardholder for over 20 years, and did not have missed or late payments. They again said there was nothing to be done. When I asked if this was going to show up on my credit report, they confirmed that it would and offered to send the letter explaining why they had canceled the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NM

Complaint narrative:
I am still in school, enrolled XXXX/XXXX XXXX. FedLoan Servicing has issued a bill due in just a few weeks, claiming that I am required to begin repayment. 

The website 's " frequently asked questions '' indicates that individuals in this situation should not " worry, '' but should simply request a forbearance, claiming a reason of financial hardship. This a suggestion to commit fraud, as I am not experiencing financial hardship -- I am still in school at least half time, and I am therefor not required to begin loan repayment. 

I have attempted to contact the company three times via their online support request in the last two weeks. I have received email confirmation of all three requests, but have not received a single response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On Transunion, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to Transunion, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXXXXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.

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 2020-02-18 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: AZ

Complaint narrative:
I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for Experian is unknown. According to XXXX, it is '120 days past due ' and Experian list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.

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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Mortgage company made an encoding error with my XXXX payment and only validated my check for only {$110.00} when I wrote in the line amount {$1100.00}. They called me on XX/XX/XXXX telling me I was late on my mortgage payment. So I made a payment over the phone with them for {$1000.00}. Which was paid via ACH, but on XX/XX/2020 they had debited my account another {$1000.00} for the encoding error that they promised was fixed with the payment made via telephone. I reached out to New Rez on XX/XX/XXXX with a Branch Manager from my bank and I was told it would be refunded back to my checking account in 7-10 business days. Nothing ever came about so I came back into my Bank to have another Manager help me contact New Rez on XX/XX/XXXX were told that the funds would be expedited and put back into my account next business day. Nothing was refunded, So I went back to my bank on XX/XX/XXXX and had another Branch Manager Call with me and he typed up a letter and faxed it to XXXX XXXX he assured the money would be put back into my account in 3-5 days along with {$630.00} worth of fees they owed me. I am not back at the bank on XX/XX/2020 and still have not received funds back. I am on social security with limited income and was without money for multiple weeks because of this mortgage companies errors. My manager advised me submitting a claim with the CFBP and for you to also check to make sure I was not reported late on my credit because of their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Alliance Collection AG {$320.00} XX/XX/XXXX Alliance Collection AG {$83.00} XX/XX/XXXX Alliance Collection AG {$430.00} XX/XX/XXXX Alliance Collection AG {$160.00} XX/XX/XXXX Alliance Collection is reporting on my credit as a debt. I have not done business with Alliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.

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 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
They have been calling my phone number repeatedly over the past several days. Today is the XXXX of XXXX, and on the XXXX of XXXX XXXX, I called them to ask them to stop contacting me, as I was not sent a proper written notice. However, they have called me twice from the number since, and now an additional three times from a second number, and it is likely from other numbers, as I have stopped answering all numbers I do not recognize. Some of these were multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX  XXXX  XXXX {$970.00} XXXX  XXXX  XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-18 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-18 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX  XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from professional debt, southern management and top asset solutions. They appear to be collection agencies and now my credit is ruined because of this.

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 2020-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXXt and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I've submitted information to mediate the loan. they won't acknowledge receipt. They are sending registered mail threatening to foreclose. The phone number provided isn't answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER

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 2020-02-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened two traditional Fifth Third Bank accounts and one Illinois Able specialized account but Fifth Third Bank is preventing me from activating my debit cards and denying me access to online banking. This is because according to Fifth Third Bank customer service representatives all new customers who open new accounts must wait 30 days for security reasons before they are able to use their accounts. But no such policy is made known to customers at the time of opening their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I took advantage of a promotional rate offer by my Bank of America credit card, that included a 3 % transaction fee I went to there website and set up auto pay to make payments to mentioned credit card on the due date. XX/XX/XXXX was the due date for that month which fell on a Saturday, the payment was not debited form my bank account. I called on Monday XX/XX/XXXX and was told by there customer service representative " the payment will post on Tuesday '' it did not and I was charged a late fee. I called customer service again and spent 45 minutes on the call and was informed that the auto payment did not process and since I did not pay on time the promotional interest was cancelled and the balance on the credit card would be charged a default rate which is considerably higher than the promo rate.I now have to transfer the balance of the credit card to a higher interest rate credit card. I attempted in good faith to meet my requirement set fourth by Bank of America and and was mistreated due to an error on there part

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 2020-02-18 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: MA

Complaint narrative:
Back on XX/XX/XXXX I went to a merchant in XXXX name XXXX  XXXX looking to get my Mobil phone fix they charge me {$220.00}, {$220.00}, {$120.00} to fix my Mobil However it was not fix it was damage more since I could not put in my sim card I when to the merchant and notify them of the issue they acknowledge the issue and I fill out a complain form which was sign and stamp by the merchant. They said they could not give me the credit for the service due to the fact that my credit card was from aboard USA so I dispute it with my back they gave me the credit then the said they send me a letter for more supporting document which I did not receive so they when ahead and give the merchant back they money for the bad service they gave me I call the bank to inquire why and they told me the case could be reopen and I should send supporting document which I did send back in XX/XX/XXXX they gave me the credit back in XX/XX/XXXX and then they took it back on XXXX XXXX I call they and ask the reason and they said because the time frame is up so I should go fight with the merchant

Company response to consumer: Closed with monetary relief