vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I went to a XXXX to buy a prepaid card and I brought a Netspend card when I was trying to active the card they asked me to sent them an email with a picture of my ID, my social security and a picture of something to prove my address I sent one email with 3 pictures and they told me to call back after 6 business hours so on XX/XX/XXXX I called back they told me they received the email but they only received my proof of address I explained that it was 1 email with all 3 documents they said they only received one I said okay I want a refund they asked me how much was they money I said {$240.00} they said they gon na start the refund and I should receive a check on my name on XX/XX/XXXX, 10 days. On XX/XX/XXXX I didnt receive the money I called them again complaining the person I was talking to said thats impossible they gave me a wrong date because I called on XX/XX/XXXX, I said no and explained everything she told me Im gon na have to wait till XX/XX/XXXX which was yesterday. XX/XX/XXXX I didnt receive the check I was like okay Ill give them one more day and at XXXX on XX/XX/XXXX I went to my mailbox nothing came so I called and they are asking me to wait another 5 days. This is going to far money only takes 7 business days and I agreed to the 10 days they told me to wait, then another 5 but now they are asking for another 5 money doesnt take 20 days to process.

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I received a Home Affordable Modification from my prior servicer, XXXX XXXX   XXXX XXXX back in XXXX of XXXX. In the agreement, Recital 3 ( c ) of modification agreement, the total deferment amount of {$38000.00} would be waived in 3rd 's on each anniversary of modification XX/XX/XXXX provided that I maintain a current status. The waiver breakdown is as follows ; XXXX XXXX ( completed by XXXX ) XXXX XXXX ( completed by XXXX ) XXXX XXXX ( not completed by SLS ) I never missed a payment. My prior servicer followed through on 2 of the 3 waivers prior to the transfer to my new servicer, Specialized Loan Servicing. My last waiver should have taken place on XX/XX/XXXX in the amount of XXXX however ; my new servicer has failed to acknowledge or address my concern. I have sent another request to the customer correspondence department however has not received a response. This issue has prevented me from refinancing my home and has caused huge delays and costs.

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 2019-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
A wire transfer was sent to American Express Savings Bank on XX/XX/2019 of approximately {$8.00} million to be credited to my account from stock sale proceeds. American Express refused to credit the funds to my account, insisting that they needed a confirmation from XXXX XXXX before they would credit the funds to my account. I am losing {$400.00} a day in interest and being treated like a criminal by American Express Bank. I have talked to people at XXXX XXXX, the bank that sent the wire transfer, and they stated that they have never heard of such a confirmation being required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I was contacted at work today and the voicemail stated that I needed to call the information department or charges would be filed in my county. I called the number and had the reference number. I asked them not to contact my work but he said that they wouls and that they could. He refused to identify himself or the company. He stated that the debt was from Jared the Galleria of Jewelery in the amount of XXXX. I asked him if I could work out an arrangement for XXXX a month because I was on a very tight budget. He said no we will be contacting your employer to garnish your wages and that they could garnish up to 50 % of my check. He said they would be sending a subpoena to my employer on Monday and I could deal with it then. He said that I was accused of defrauding and something else. He then hung up on me. I called back twice to try to work things out and get more information. He hung up each time and said that I could wait for the subpoena and not call that number anymore. The number that they had me call was XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've called Equifax numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. Equifax stated my dispute results will remain online for 30 days but I'm unable to see them. 
My Equifax credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
They Sold it to a company and Now CBE Group was On Caller ID they would Make sure i get a Summons for court I asked For the Comanys Name She sed Dont bother looking it up you will not find it online and gave me the name XXXX XXXX And the only other Info she Gave me was her name was XXXX and told me it had to be XXXX dollars on a XXXX loan and sed i had to to pay her XXXX upfrount and XXXX in court Fees, Told her i dont work and only get SSI which is only little over XXXX a mo she sed it was NOT her issue why take it out if i could not pay it this happend in 2015 i live in the State of Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've called XXXX numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

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 2019-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've called XXXX  numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

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 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello, Here we have a complaint about debt and disclosure. So I had a care credit card account with Synchrony bank and they sold my debt to a party that was not a " party '' listed in our original agreement nor is there listed in the agreement any clause that allows disclosure of my personal information to any third party. I suspect this is happening to all consumers of credit cards and it must be stopped. It's no wonder how identity theft happens so much because credit card companies that we trust have the ability to sell our social security number and other info to anybody when the agreement needs to specify all parties. 

My issue in particular relates to my debt being sold to XXXX XXXX however their information doesn't show up on my credit report, it just says sold to another lender and doesn't provide any name. When I called Synchrony bank they couldn't even explain to me this XXXX XXXX   address but they gave them my social security number and my address and information. 

This is very harsh for all people to have their personal info juggled by random companies who we cant hold accountable because there isn't an agreement between us listing their name. 

This issue has stopped me from getting credit and has caused me strife.

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 2019-10-30 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX and XXXX  credit reports to Navient 's Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since Navient has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
on or around XX/XX/ i started getting calls from Money Key at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX that i owed a debit to them ( loan number XXXX ) i have never had loan with this company in my life my bank account was compromised around this same time when i lost my ss number my bank and i closed that account and started a new one money key some how had my phone numbers from my phone and was calling my contacts looking for me, i do not i repeat do not do online loans nor have i ever had one with money key this is money keys mailing address XXXXXX/XX/XXXXXXXX XXXX, XXXX  XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am a victim of hurricane Michael that hit the Flordia XXXX  on XX/XX/XXXX. I purchased a car XX/XX/XXXX because of a divorce, and repossession that took place on behalf of my ex husband. 
The car was financed by a subprime lender, Credit Acceptance. The car was totalled in the storm. 1 year later my XXXX children and I are still living in a family shelter due to losing our home and Credit Acceptance wants me to pay for the car. I have tried to get them to negotiate with me but they refuse. It's affected my credit negativity and because of it I can't even rent a home for myself and my XXXX children. 
I also tried working with XXXX XXXX concerning the matter but that hasn't helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
On XX/XX/2019 I returned my leased XXXX XXXX to XXXX XXXX in XXXX, MN. I was not asked for any information such as an updated address or anything else. On XX/XX/19 I attempted to purchase a new vehicle and received notice that GM Financial had reported me 60 days late on a payment. I then called GM Financial to ask what the payment was for and was told it was a disposition fee of {$390.00}. I then proceeded to question why I have not received any notification as in mail or email or phone calls? They had my old address of 2 years ago and I did not receive any emails either. This has dropped my score considerably and I am not eligible to obtain financing on a new vehicle. I feel there was not any legit effort in contacting me as I will pay immediately anything I owe. This needs to be removed from my credit ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: PNC Bank N.A.
State: TN

Complaint narrative:
I purchased a pair of shoes online. When I received the shoes, it was very clear that they were not the name brand they were labeled. They name tag was altered and a different color. The size did not match the label. I tried to contact the seller and they would not respond to my requests. I then contacted PNC and reported fraud. The case has been cancelled for pretend reasons multiple times. There have been at least 3 follow ups demanding more written information. Finally, in a letter dated XX/XX/16 PNC is demanding that I prove the shoes were not a legitimate name brand and " provide documentation from the real entity that indicates that the merchandise is counterfeit. Include the name of the entity providing the notification and validation that the entity is qualified to provide the notification. '' This is nothing more then yet another reason for PNC to cancel my claim and act in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
since XXXX 2019 Kia finance has been reporting me to the credit bureau as 30-60 days late, I admit that my payments are made after the due date due my hours being cut but never 30 days they are trying to use the late fee as the whole payment being late, I have try to change my due date to avoid these fees, when I make my payments I pay more than the amount of my car payment try to take care of the late fees, I have never heard of a company reporting late because of the late fees its not fair and its messing up my credit I ask them to send me a copy of all my payment and everytime I call they says its in the mail but after months and still haven't receive that's because they knpw that I have never went past 30 but again was late, so everytime that I make a payment I add a little extra to get the late fees taken care of.

Company response to consumer: Closed with explanation