vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13 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: NC

Complaint narrative:
On XXXX XXXX, XXXX a charge from XXXX for the amount exceeding {$1200.00} as well as an out of state transaction was debited from my account for a total amount of {$1200.00}. These transactions were unauthorized, the card was not in my possession. Provisional credit was granted from bank of america. Claim number XXXX account ending in XXXX. Bank of america stated I have prior history with this merchant deciding to reverse the provisional credit and deny the claim. Which is untrue, I 've never had any prior doing 's with XXXX or XXXX in XXXX, XXXX. This is unjust, and unethical.

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 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KS

Complaint narrative:
I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some 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 monetary relief
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. 
By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is calling my mom at her work. Navient is calling my XXXX  and my XXXX XXXX XXXX ... and we do n't even share the same surname. I 'm not sure how or why they 're going after my XXXX  and XXXX XXXX.
Navient calls my work as well after I have asked them in writing to stop contacting me on a daily basis and to please contact me only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I just tried to send & XXXX Us dollars to my Mother in XXXX via Western Union only to be met with a whopping transfer fee of {$69.00}. As recently as XXXX 2017, this transfer fee was {$37.00}, to send the same amount to XXXX and for several months before that {$32.00}. I use the service for convenience sake only, because when you go to a Western location here in New Jersey the transfer fee is {$12.00}. 

I am home sick today with XXXX XXXX, and persistently XXXX XXXX, so I thought I would use this service again for the convenience, but I can not in good conscience pay this new transfer fee. This is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing. 

Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now. 

I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning. 

Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities. 

Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, 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 2017-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
We applied for a mortgage with USAA. We are currently going through underwriting to close on a home. We had set a close date of XXXX XXXX XXXX. Two weeks prior to closing on, XXXX XXXX, I received an email from my realtor stating that it looked like my lender was going to require a property survey prior to closing. I immediately called my lender for clarification. And yes they are requiring a property survey prior to closing. I felt that USAA is unfairly requiring this survey late in the closing process. I also feel that the lender should have inquired about the survey through the responsible party, myself, as we would be responsible for requesting the survey, not my realtor. We submitted our purchase agreement to our lender the day it was accepted, agreement was accepted on XXXX XXXX XXXX. On that agreement it clearly states we waived our rights to a property survey. Why is USAA now asking for a survey and potentially delaying closing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA

Complaint narrative:
Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: NC

Complaint narrative:
I am having issues with creditors being able to pull my Equifax credit report. I have applied for credit with my bank, XXXX and get denied because there is no credit history. I was part of the Equifax breech and I enrolled in trustedID XXXX and when I update my report, there are no accounts 0 for everything. I 've tried to pull my 3 bureau report with other credit monitoring companies and because something is going on with Equifax, it will not give me my score. I have called Equifax and they verify there is no freeze and say there is nothing wrong on their end because they can pull up my file, but no one else can, not even me! I called TrustedID and they say the same thing, but no matter what I do or where I go for credit, no one can access Equifax. I have XXXX and XXXX credit monitoring services and they update daily. I have XXXX and XXXX and XXXX scores are updating, however, Equifax will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submit a dispute to Experian, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with Experian customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.

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