vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I sent in a payment to navient and they received it on  XXXX   XXXX ,2017. I have for the pass several sent my payment to the address of  Navient   XXXX .  XXXX   XXXX   XXXX  PA  XXXX   XXXX . They send me a notice on  XXXX  2017  stating I had made no payment. I check my checking account and somehow the check was cashed but sent to  XXXX   XXXX . The first person on the line told me I sent my check to  XXXX  Georgia and I told her that was not true after debating with her for a few I asked to speak with a supervisor.  XXXX  #  XXXX  told my check was since to t he education departmen t I told her for the past  3-5 years  I have sent my check to the same address and neve r had one pro blem after debating with I asked for her supervisor. I held the line for a few minutes she came back and told me her boss refused to talk me but they would accept my payment. I told her I could not make another payment she told they would send back my payme nt in 4 to 6 week s and then I could pay my concern is my credit and the that someone at Navient made an error and sent my check to my old student loan payment center  XXXX   XXXX  I have the check to prove it the number is check  XXXX  from  XXXX .  XXXX  would tell would to contact corporate management she did give me the name of the CEO  XXXX   XXXX  but when I ask for a email or some way to contact him she refused to give me the information. I need to know if there are any class action law suit against Navient and how do I file on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC
State: IL

Complaint narrative:
Happened on  XXXX / XXXX / XXXX  They claimed I owed {$290.00} over a credit card I never owned. They knew the la st 4 di gits of my social and my address. They claimed the account was opened in  XXXX  with my current address when I did n't live at my current address in that year. Their language was abusive and harsh and did n't let me speak, they just kept demanding money and payment.

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 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only h ave one nu mber that is legit and that is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only ha ve one nu mber that is legit and that is  XXXX   XXXX

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 2017-05-26 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: IL

Complaint narrative:
I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  XXXX

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 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On or around  XXXX  of  2017 , I discovered that someone opened up an account with  XXXX  using my personal information. The way I found out was because my phone services with  XXXX   XXXX   XXXX  were disconnecte d one da y. I called  XXXX   XXXX   XXXX  and asked them why. They told me  XXXX  requested my account to be terminated.  XXXX   XXXX   XXXX  tried to help me by calling  XXXX  on a  three  way call. We spoke to  XXXX  and told them I did not open an account with them and that I have been a customer of  XXXX   XXXX   XXXX  for 12 years. After clarifying to  XXXX  customer service that someone pretending to be me opened the account with bad intentions just to make my life difficult, they underst ood ( so they told me ) an d told me they would close out the account.  Three  months later I received a notice from a collection agency trying to collect a debt I did not owe in the amount of {$300.00} on behalf of  XXXX . I tried to resolve the issue with them and did not hear from them anymore. Now I get another collection notice but this time from a different collection agency attempting to collect a debt they claim I owe with  XXXX . The agency 's name is AMSHER COLLECTION SERVICES, and the amount they are trying to collect is {$180.00}. Now  XXXX  is trying to collect a smaller amount than before. I have called  XXXX  to try to resolve to no avail. They just keep assigning the account to different collection agencies. I spoke to  XXXX  on  XXXX   XXXX ,    2017  and spoke to  XXXX   XXXX   XXXX   XXXX  and said that the collection agency AMSHER was not notified of my  XXXX  balance and that they will notify them immediately. I am not convinced that this will be the case which is why I 'm filing this complaint to protect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I originally spoke to a rep in  XXXX  about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on  XXXX   XXXX  amd realizing by the end of  XXXX  that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There  are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on  XXXX   XXXX . I called in on  XXXX   XXXX  to check the status and spoke with a nice gentleman by the name of  XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the 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 non-monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.

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 2017-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al.    XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX   XXXX  : Payments mis-applied to the Principal of my alleged loan number  XXXX  with them.     Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section  6 o f RESPA (  12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number :  XXXX , in reply to their   recent letters.     They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number :  XXXX  with  XXXX   XXXX  since  XXXX , when the original balance was {$310000.00} on  XX/XX/XXXX      They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification.     Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court,  Bankruptcy Number :  XXXX , filed in the Central District of California over 1 year ago now, on   XXXX   XXXX   XXXX   They have also breached the BK by filing a notice of trustee sale on the title of my property on   XXXX   XXXX   XXXX   and are presently in contempt of Court.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Acquired Assets, Ltd.
State: CO

Complaint narrative:
My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.

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 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have called capital  one  3 times requesting that my account be taken off of the hold and deleted from my record. They 're saying that they ca n't do that because of the hold. I have  XXXX  refund trying to go through, but it ca n't as it 's frozen. That refund would have covered the {$74.00} in negative balance. I have a police report attached stating that this has to be done or the criminal would have more access to it.

Company response to consumer: Closed with explanation