vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/2018 I had 2 fraudulent charges at a XXXX in Colorado one in the amount of {$1000.00} and another for {$760.00} and I am in South Carolina have not visited the stated. The card is damaged and can not be swiped and I have the card in my possession so it had to have been hacked I called Netspend the day it happened the on the first call was advised that it could take anywhere from 10-45 business days for me to receive a response and may not get my money back. I asked to s/w a manager and was placed on hold for over 20 minutes so I hung up called back and was trying to tell the lady who went by " XXXX '' that my card had been fraudulently used and advised her of the previous call and I just wanted a manager. She proceeds to tell me that my other card was working and I could use that one. I tried to explain to her several times that's not why I was calling and wanted to s/w someone else she refused. Then said that she was going to transfer me to her colleague the phone went dead. I tried to call back got a recording that I was calling after hours and to call back during regular business hours. In the mean time my card had attempted to be used again for {$5.00} purchase that was denied by Netspend. 
I call today XX/XX/2018 I didn't get the lady 's name but she assisted me and asked questions about the card again I tell her I have the card in my possession it is not lost and it can not be swiped because the strip on the back of the card is worn off and I kept it active because of the bills I had set up on autopay on that card. I had to get a new one because of that reason ending in XXXX. She said that she could see I hadn't been using the card ending in XXXX. gave the info to where I could send the request to ask for a temporary refund until the investigation was completed and she deactivated the card. They have advised the letter has been recv 'd when I called back to give the police report number ( XXXX XXXX # XXXX case # XXXX ) the lady who answered told me just to email it to them instead of taking it over the phone. I have {$21.00} to my name after this has transpired and my rent and daughter 's school tuition have to be paid and they know and could careless I asked for a number to the USA she declined to give it once I found out there customer service is located in the 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 explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been on the " Rate Reduction Program '' with Navient for the last three years I have been submitting my information to be considered for the program because it is based off of your income. I also have three co-signers who are not aware they have to provide their income because I am the one that has been paying the loan. They are not willing to submit their personal income information because they were not aware they would need to submit this when they co -signed for the loan. I spoke with Navient about this last week to lower my monthly payment from XXXX per month which I can not afford. They told me that they would need my co-signers to submit their income in order to be considered for a lower payment each month. I was willing to submit my own information but they stated my information would not be enough my co-signers would also have to submit their information. I have also been on the rate reduction payment and it does not seem my balance has been going down. I have asked to have my co-signers released however the representative told me that I would have to pay XXXX for 12 months with no late fees or delayed payments and even still they may not be released because it is based on credit. I can not seem to win or get out of the trap of Navient they have not been helpful. How can I get help with dealing with this company? Someone needs to do something about them there are several complaints about them and nothing is being done. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a letter from Equifax stating that they changed my current address in their records to an address where I lived at several years ago. They provided no explanation for why my address was changed. 

I called the number in the letter, which turned out to be the credit freeze office, and they were unable to do anything about the error. They directed me to send photo copies of personal records or they would not fix their error. I asked for a phone number or other way to complain to Equifax about their system twice now requiring me to spend time and expense to fix their mistakes, and I was told there is no phone number or address for me to send my complaint. 

It's bad enough that I now have to pay to freeze and unfreeze my credit when I want to use it because of Equifax 's negligence, but it adds insult to injury when Equifax continues to misuse data in a way that negatively impacts me when I have no choice whether they have access to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citigroup has no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that Citigroup is even in business today is because American taxpayers bailed them out during the Great Recession, said XXXX XXXX. Instead of imposing its political agenda on the American people, Citigroup ought to be finding ways to help these mostly small businesses grow. Citigroup certainly shouldnt be threatening their Constitutional rights.

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 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America. There are two transactions made on my account without my authorization. On XX/XX/XXXX {$420.00} and XX/XX/XXXX {$450.00} at a United States Post Office. I submitted a fraud claim with BOFAXX/XX/XXXX I also filed a police report on XX/XX/XXXX case number # XXXX. Later I was contacted by detective XXXX XXXX that since the purchase 's were made at a Government agency he could no longer assist me. He would forward this to the USPS inspector. BOFA gave me a provisional credit of {$870.00} on XX/XX/XXXX. However, on Friday XX/XX/XXXX I was informed they are unable to pay and all credit 's given to me would be withdrawn from my account on XX/XX/XXXX. I was told by the bank that my card and pin number was used for both purchases. I gave them the police report number and told them I can prove I was at work ( time card/human resources ) at the time and date of transactions. I initially asked to retrieve video because it was at a Government facility. I called the bank again this morning XXXX I was given the reason of denial to be " after reviewing a pattern of my account this did not fit to be a fraudulent purchase ''. I'm at an utter shock after I told them I have proof that I was at work, I filed a police report so I can press charges and asked them to pull video. After all that it was still denied! It may not seem like a lot, but {$870.00} is a lot of money to lose. This has caused a major stress. Please help 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 monetary relief
Consumer complaint received 2018-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TX

Complaint narrative:
I am in need of your company 's help. I received a copy of my credit report and there is a company named XXXX XXXX XXXX that does not belong to me. I disputed this with the bureaus and they stated it was verified. I believe this may belong to my father but I know this is not mine. I am a XXXX and it has happened before that they mix my information with my father but I know this isn't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NJ

Complaint narrative:
I had received a XXXX in XX/XX/XXXX from a collection account from XXXX XXXX and I filed it with my XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, Transunion contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now XXXX and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from Transunion stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that XXXX XXXX had updated my account again to show a balance and past due amount. Transunion told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called XXXXXXXX XXXX and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that Transunion was lying and they never updated the account to show a XXXX balance and a XXXX past due. They did say that they did update it with an account forgiven. When I asked them why did Transunion tell me that they are not allowed to update my credit report that only the creditor can do that they told me that Transunion was lying. 
I called Transunion right away and they sent me the original updated information from XXXX to use in this dispute.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
In XX/XX/2016 this account was settled in full during the cancellation period when all equipment was returned to XXXX XXXX. The store and corporate acknowledged that account was paid in full and admitted to being in error. This new collection is also in error and should be removed permanently to remove any liability made against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank, Wal-Mart credit card.

When they upgraded my card, they changed the account. When my automatic bill pay sent the payments, they credited a " closed account '', while the " new account '' became delinquent. As I tried to buy a home at the end of 2017 .... I paid over {$1000.00} ( mostly late fees and interest ) just to close my escrow!

Now they came after me AGAIN for {$50.00} here and {$85.00} there ... .. I have complained, gone to escalations, have a stack of letters. I finally paid the small amount to shut them up, they credit the wrong account AGAIN .... and send me the $ $ back!!!! Now they are calling again. I have letters of them juggling between the 2 accounts. I get someone on the phone, and they try to help, just to get the check refunded to me over and over again!

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 2018-04-30 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: FL

Complaint narrative:
I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help

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 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I have asked multiple times for a cease and desist of all paper communication regarding my account, but Suntrust continues to send me prepayment notices after they claim they have completed my request. It is extremely annoying to get a prepayment notice when I only pay a few days before my due date ; it's not like I am paying several months ahead. I'm paying the current month 's payment in the month it is due, before the due date. They need to stop wasting paper and sending me these unnecessary notices. I want a cease and desist on all paper communication regarding my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have two mortgages with Ocwen Servicing LLC. I place  one of the property on the market for sale in XX/XX/2016. It was discover my the buyer attorney that the title was not clear. I work to find out what the problem was. During this time I got behind in my monthly payments. The property been sold was multi-family and paid the mortgage for both properties. I contacted Ocwen ask that they investigate, they claim the title was clear. I send them documents from my research sure what they will do. This company has a bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
I received a call from LTD Financial Services ( XXXX ) XXXX on XX/XX/XXXX to settle a debt from XXXX XXXX XXXX Account # XXXX. The full amount owed was approximately {$960.00} and I was offered a settlement at {$560.00} - they record all of their conversations. The call occurred at XXXX hours and lasted 7-10 minutes on XX/XX/XXXX - They did not honor that offer despite me agreeing to the offer and giving them my banking information to conduct an ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF THE WEST
State: NY

Complaint narrative:
On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.

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 2018-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Recovery Special has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX the holder and controller of the XXXX XXXX credit card lower my credit limit on XX/XX/2018 based on my credit rating. OnXX/XX/2018 the company closed my credit card without notifying me. The card had no due balance and I recieved no explanation as to why my card was closed. I investigated and neither XXXX XXXX  or XXXX could inform me as to why my card was closed. My credit rating was lower when I recieved the lower credit amount then when they closed my account without my knowledge. 

I was informed by XXXX that this card closure adversely affects my credit and also the credit decrease. It appears that this company functions to adversley affect individuals credit.

Company response to consumer: Closed with explanation