vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.

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 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, XXXX, XXXX XXXX XXXXXXXX, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion credit reporting agency has not removed negative public record from credit report. XXXX   has removed information and has increased credit score to the excellent category.

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 2018-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN 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 2018-04-01 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. 

I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.

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 2018-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...

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 2018-04-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HOVG, LLC
State: GA

Complaint narrative:
Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.

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 2018-04-01 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: FL

Complaint narrative:
I went to the school back in XX/XX/XXXX and graduated in XX/XX/XXXX with a loan of {$40000.00}. The school has closed and I didnt even receive my diploma and have no way to receive it. Due to the closer of the schools ; because of fraud!! And now Im obligated to repay this loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Unauthorized charges were made to my Pay Pal Mastercard in XX/XX/XXXX. There were two charges to XXXX XXXX XXXX XXXX in the amounts of {$590.00} and {$730.00}. I immediately called the XXXX number on the card and let them know that I did not make those charges. About 10 days later the charges were removed. They sent me a new card. After a few more weeks, the site kept telling me I was due a refund of {$1300.00}, the amounts of the two charges. I called the XXXX number again and told them that those charges were already removed, and that I was not entitled to any more refunds. The agent we spoke to was very clear and said that the refund was to be sent to me, and that if I didn't want a check sent, they would credit my account. I told him I didn't want to be stuck having to pay this back if it was a mistake, but he reassured me that it was not a mistake and sent the check to me in the amount of {$920.00}, a smaller amount than the original, since I had already made other charges on my account. I received that check on XX/XX/XXXX and put it in the bank. On XX/XX/XXXX,  I noticed that my account showed two items listed as " Balance Transfer ( TB ) '', one in the amount of {$590.00} and the other for {$730.00}, the same amounts previously fraudulently charged to my account in XX/XX/XXXX. I called to inquire and was told that it was because I was not only credited by the original resort that charged me, that I was also refunded by Paypal, and that I could not have both. I told them what had happened when I called to inquire about the refund they insisted was due to me, and they said it was a mistake. It was not my mistake, it was their mistake, and now they are trying to make me repay over {$1300.00} that they insisted they owed me. Last week on Sunday, XX/XX/XXXX I disputed the new charges ( balance transfers, ) but have yet to hear from the credit card company.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
{$260.00} plus accrued interest. 
Date : XX/XX/XXXX. 

Actions taken : Contacted the bank ( Bank of America ) multiple times, had assurances that the amount paid would be reflected in our statement. We had paid through the ATM ( as is recorded ) and the machine took the cash, yet we were not credited for the payment. After a month of being told that we would be credited to our account, we were told in a letter that we would not receive any credit for our payment made.

Actions taken by company : nothing ( other than lying and stealing our money ).

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 2018-04-02 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: WA

Complaint narrative:
I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with XXXX. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with XXXX. It's been over 30 days and there are still accounts that haven't come off.

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 2018-04-02 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: Nelnet, Inc.
State: CA

Complaint narrative:
When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Charge a {$5.00} fee for an account set up by the bank to save money. Account was not at a XXXX dollar amount.

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 2018-04-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
Over the past 4 or so years, I have been repaying my loans to Nelnet that were separated into two groups. As I understood, these groups were determined based on similar loan types, interest rates, etc.. This year, I got a notification that my groups were changed. After digging into it, I found out that I had a high interest loan that was being hidden into a group with a low interest loan, which was deceiving. If I had known that I had the high interest loan, I would have been paying llall extra payments towards it. I feel like this is an unfair practice. At least it was fixed this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
So I have an account with Bank Of America I have a checking and saving account but every month they charge me XXXX $ into my saving account for maintenance fee which makes no sense at all, theyre not even charging me for not having money on my saving its juts for a random service fee

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter.

Please look into the matter and get it resolved ASAP!

My Cell # is XXXX XXXX XXXX

Company response to consumer: Closed with explanation