vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2018 I was involved in a car accident where it was decided as a total loss. My insurance provider then began the process to pay off the lien holder { Navy federal credit union ). The cash value determined of my car by my insurance company was XXXX leaving a balance of XXXX on my auto loan. I then opened a gap claim with navy federal being I had paid for it when I opened my auto loan with Navy. After reading over the disclosure statement it gave details that navy is to pay 150 % of the cash value towards the balance, also stated in the disclosure their is an example given on how the process works. 

Navy refuses to apply the full 150 % to my balance, leaving me responsible for 727.00 ( est ) balance. I was told Gap was to cover the balance left on my loan and that is not what the service is providing. This service comes off as fraudulent because what they are paying towards the balance is only a little over 3,000. that is below the 150 % stated to be paid via the disclosure agreement, it would seem they are only paying the remainder of XXXX being XXXX was paid also the check was in the amount of XXXX, so do I even get money back being they not including the full check amount? This is not what is being advertised or even disclosed in the agreement. 

I am waiting to hear back from a supervisor being every representative could not fully explain why their process contradicted the disclosure statement, and why they are not going to apply the full 150 % themselves to the remaining balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, XX/XX/XXXX I, XXXX XXXX, scheduled and underwent a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I paid a XXXX dollar deposit :XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which was required in order to hold a XXXX date. The charge was deducted from my Chase credit card. I was informed the deposit would be deducted from the total cost of the procedure which was XXXX. The total cost of the procedure was XXXX, which was deducted from my XXXX XXXX account on XX/XX/XXXX. I was also informed if I was going to pay cash, the amount of the procedure would have cost XXXX but because I financed the procedure, it would cost XXXX. I have contacted XXXX XXXX several times since my procedure in effort to request the {$300.00} and {$200.00} deposits back to my Chase credit card. Each time I call, I am told someone will call me back. I have not been successful resolving this issue. I demand XXXX XXXX return {$500.00} to my Chase credit card immediately because I was charged the full financed amount of XXXX on XX/XX/XXXX to my XXXX XXXX account, which I have attached a copy of my billing statement to this complaint as proof. Ive paid a total of XXXX and should have only been charged XXXX. Please resolve this issue ASAP. Please forward correspondences to : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX or email address : XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Recovery Solutions
State: CA

Complaint narrative:
They called me and used a false name saying they were from the Civil Litigation Department and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business. 

When I called back and asked what firm they were a part of they did not tell me they just said they were the civil litigation department and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me. 

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is UNITED RECOVERY SOLUTIONS not CIVIL LITIGATION DEPARTMENT. 

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day. 

Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.

XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.

XX/XX/XXXX XXXX XXXX   Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.

XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
AFTER REVIEWING MY RECORDS I NOTICED THAT ON XX/XX/09 MY XXXX XXXX   CREDIT CARD ENDING IN # XXXX WAS CHARGED BY THE XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00}. I DONT KNOW WHO THIS COMPANY IS OR HOW THEY GOT MY INFORMATION! AFTER I BROUGHT THIS MATTER TO THE CREDIT CARD COMPANYS ATTENTION THEY PRETTY MUCH BRUSHED ME OFF AND DIDNT WANT TO HELP ME! WHICH I AM SURE YOU CAN UNDERSTAND MADE ME VERY UPSET!

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 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XXXX18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my XXXX XXXX XXXX XXXX  account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: GA

Complaint narrative:
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau Experian Credit Report : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX  Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Account Closed Experian fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX  GA XXXX   XXXX has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX  Date Opened:XX/XX/XXXXAccount Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well 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 2018-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX  NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX  of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.

When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
several hard credit checks within a short period of time without my authorization. XXXX XXXX and car financing institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are three inquiries on Experian that were fraudulently done. I went on XXXX and file an Identity Theft Report. FTC report number 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 2018-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX My student loan was being serviced by XXXX soon after moving to NYC I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX  student loan this is around XX/XX/XXXX I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: CITIBANK, N.A.
State: MI

Complaint narrative:
As POA for my father ( who suffers from XXXX XXXX XXXX ), I am attempting to pay and close his overdue account at Citi. 
I've been given multiple fax numbers and mailing addresses, and after sending my POA docs a total of SIX different times, I am still not listed on the account, nobody will speak to me, and I can not get a final invoice to pay. 
Citi is making it impossible to pay a bill.

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 2018-04-26 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: Riverwalk Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX opened a new collection account in XX/XX/XXXX after I gave them XX/XX/XXXX bankruptcy information, by phone when they called my employer, in XX/XX/XXXX. This account was collection for an account included in XX/XX/XXXXbankruptcy. This account should be DELETED as a post-bankruptcy collection has significantly affected my credit score. I sent an email to the XXXX  on XX/XX/XXXX. I sent a fax to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX. Representative XXXX put me on hold then disconnected me. On XX/XX/XXXX, I again called XXXX and was transferred to the voicemail of an unknown person. I left a message. I have yet to receive a response from XXXX. I am attempting to refinance my auto loan and this incorrect collection account has caused a significant delay. Post-bankruptcy collection is definitely a negative impact and a violation of Federal Bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion REFUSES to answer the question ; What is the definition TransUnion uses for the word Accurate? 

TransUnion has no requirement/need to access my files to answer this question. 

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In 2014, I returned the equipment from XXXX XXXX XXXX using the pre-paid label through XXXX. I took the package to the XXXX store and drop it off. The representative at the store said I was all set and I left the building. I thought the matter was resolved after that. I have made multiple calls to XXXX XXXX XXXX at the beginning when they continued sending the bill for a balance I did not owe because of equipment. I told them that the equipment had been drop at the XXXX store. Then the account was sent to IC System collections, where I have spoke to different representatives and filed disputes.

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 2018-04-26 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I asked for the company to validate the debt and proper validation was not given. Instead in XX/XX/2017 some kind of statement was sent and not an actual contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RMS-Recovery Management Services, Inc.
State: TX

Complaint narrative:
I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived. 
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX I do not this company this company did a credit report on me without my authorization I do not know this company I would like to have them remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My checking account has been locked. At no time did I receive any communication from Huntington informing me of the account freeze - no email, no phone call, and no mail. My account has been locked since at least XX/XX/XXXX. On that day I tried to make a payment and was unable to do so. I called three times over the next two weeks and was unable to get a resolution - it was suggested that I try to visit a branch. On XX/XX/XXXX I visited a branch. After about 1/2hr were able to raise somebody from the main office who suggested that the branch send an email detailing 'suspicious deposits '. I sat with the manager and drafted an email detailing all of my deposits. After one week my account was still locked. I visited the branch again and they tried to help. Nothing. My last visit to the same branch was on XX/XX/XXXX. They again tried to help. Today, XX/XX/XXXX, I received a call from the branch indicating that they have not been able to get an answer from corporate. Furthermore, they are unable to get a date when this might be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my equifax or XXXX  score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the XXXX XXXX  and equifax said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.

Company response to consumer: Closed with explanation