vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I borrowed some money to pay for my loan students balance with Navient. I was given a pay off amount of XXXX a check for that amount was sent to pay off my balance. The check was received and cash on XX/XX/2018. The balance never cleared from the XXXX, XXXX until XX/XX/XXXX. I kept calling the company wondering why the balance still the same, they kept telling me that the check was not sent to them and probably was sent to the wrong address. I called the bank that issued the check and said that check was received and cashed on XX/XX/2018. I sent a copy of cashed check provided by the bank the week of XX/XX/2018. I called again and said to the person who answered the call that why the check was cashed if it went to the wrong address, kept blaming me and said if you send the check to the wrong address. I said i sent the check to address provided on the website that say it is for borrowers only. today XX/XX/2018 i checked Navient 's balance and there is a balance of {$170.00} i called right away and asked for an explanation, i spoke with XXXX ( XXXX ) and he said that that was the interest that i owed from the time of XX/XX/XXXX to now, but the check that i sent with the pay off balance amount was cashed on XX/XX/2018. I can not pay interest on a money that i did not owe. If the check i sent was cashed on XX/XX/18 by Navient why I still owe money four weeks later after sending the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MS

Complaint narrative:
Over the course of XXXX and XXXX, 2018, I paid over {$2500.00} to Global Client Solutions, a debt-settlement company. Due to circumstances beyond my control, I was forced to close my account with them and requested my money back. All they sent me was a check for {$170.00}. I am XXXX and need that money back desperately. Can you help me retrieve it?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29 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: NY

Complaint narrative:
I have contacted Experian, XXXX, and XXXX about a collection on my account that the agency XXXX  XXXX  deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

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 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - XXXX XXXX ( 4 months ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements, but I also know that my bank had internal issues where I finally had to completely changed the bank. Again, my only thought is that my monthly statement did not get to me, or that internal bank error that caused the money not to be automatically sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Last month i spent countless hours with Toyota Financial representatives over the phone, and I was assure that everything would be done and corrected in regards to those late payments. Then, I was shocked when I reviewed my credit report today and found late payment on the dates below which they had mentioned that it would be taken care of and updated with the credit bureaus. 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX, TransUnion, and XXXX about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

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 2018-09-29 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: NY

Complaint narrative:
I have contacted XXXX, XXXX, and Equifax about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. 

My last email states this and I have no choice but to gain protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX/XXXX 2018 noted on my credit for those months. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or an internal bank error. I was certain that the payment went through and I've spent countless hours with your representatives that they mentioned that it would be resolved since last month. I just refresh my credit report and noticed that it still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I called during business hours early in the day to get a new debit card because my old one was lost I also lost another card the same day and called for replacement. The one card netspend when I called they said no problem to the replacement but if I wanted it in the next 5 days they would have to XXXX for a price of {$50.00} I declined it so they said my card would come within 7-10 business days. On XX/XX/XXXX they texted me to say my card is on it's way. Today it is the XXXX and still no card I called to find out what happened they said that if I don't get my card by XXXX XXXX I should call back. My complaint is they force you to get your card XXXX XXXX   because they don't make any money on mailing you out a new card through regular mail. I have prescriptions to be filled and rent to be paid my monthly pension check comes on this card so I have no money until I get the new card. I called Social Security right after I called netspend and XXXX XXXX told me the card should be to me in 7-10 business days I received the card on XXXX. I know the FTC has won a settlement against netspend but it seems like they did not learn any lessons from that nor did they change any practices. I am not sure what can be done but I am trying to find an alternative from my pension plan but I know I am not alone. As charging extreme amounts to get your card sooner and make you suffer to get your card by mail take super long. Right now they are holding my pension hostage until I get my card.

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 2018-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: IA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

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 2018-09-29 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: IA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

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 2018-09-29 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: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Diversified Consultants, Inc. ( DCI ) has again reported an account that they promised they would delete from my credit report ( see attached letter ). 

Please reference complaint # XXXX. 


On XX/XX/2017, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/2017 I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 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: IL

Complaint narrative:
I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.

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 2018-09-29 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: IL

Complaint narrative:
I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Calif. EXPERIAN RESPONDED TO A RECENT CFPB COMPLAINT THAT XXXX XXXX XXXX XXXX   IS NOT THEIR COMPANY I HAVE ASKED FOR INFORMATION AND OR THE USAGE OF THIS INFORMATION THE USAGE AND THE AUTHORIZATION THERE ARE OVER 35 INQUIRIES PLEASE EXPLAIN?

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 2018-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. 
We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. 
Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, I opened up a new account at Citi Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX branch. Citi had promotion through XX/XX/2018 that {$600.00} cash bonuses will be given for new customers who deposits {$50000.00} and maintain this balance for a month. The bank staff XXXX at this branch went through all the procedure and requested all the information from me. She confirmed she had everything needed for opening my account. 
On XX/XX/2018, I deposited {$50000.00} into the Citi checking account and since then always maintained {$50000.00} account balance. 
On XX/XX/2018, I received a phone call from Citi Bank customer service, claiming he wanted to obtain additional information regarding my salary and employer. I provided all the information to him. The customer representative in the end told us on the phone that my profile is now complete. 
I subsequently visited Citi Bank local branch in XXXX and spoke with XXXX, the branch manager. I wanted to make sure nothing was wrong with my account. She then called Citi customer service in front of me. With her assistance, we repeated the required personal information to Citi Bank customer service center and XXXX assured us they got 100 % everything. 
On XX/XX/2018, when I was expecting the {$600.00} cash bonus paid us XXXX, I received a letter from Citi Bank stating that my account was closed on XX/XX/2018, without any reason. They refunded me with the {$50000.00} check but failed to include the {$600.00} bonuses that I was eligible for. The date they closed my account was one month, the threshold for getting the cash bonus. It is clear that they intended to take my {$50000.00} saving with them for free for 30 days. This is commercial fraud and also breach of contract. 
I then contacted Citi Bank through phone calls and visits requesting for a reason since XXXX XXXX. They promised to investigate but I did not hear anything back from them. All they told me was : Citi Bank has a right to close customer 's account at any time- No reason was needed! This is shocking for banking industry. 
I wanted this matter to be given attention to and someone would investigate into Citi Bank. I do not know how many customers and consumers suffered financial harm because of Citi 's fraud and scheme!

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 2018-09-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX issued me a XXXX $ credit limit. 

once i got the card and attempted to use it for a purchase they closed my account without reason. 

they will not reopen the account. 

they told me the only thing to be done was to reapply which caused me another hard inquiry. 

i have contacted XXXX XXXX multiple times to get this closed account off my credit report and they have been unhelpful to do so. 

when asking why the account was made closed they told me that they could not disclose the reason to me. 

it doesn't make sense because i was approved for a secondary line of credit with the same bank after being told that the only option for me was to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Friday XX/XX/XXXX at XXXX XXXX, I invoiced a company who I am doing some work for, XXXX XXXX of XXXX, they paid the invoice which transferred {$250.00} into my PayPal account. I have had this account since XXXX. When the money was transferred into my account, PayPal took a {$7.00} fee. When trying to do an instant transfer of the {$240.00} to my checking account, which I have done numerous times. I received a message that the money transfer would be delayed up to 24 hours and no other explanation was given. This transfer usually takes about 3 minutes. I called PayPal customer service immediately and they told me to open a ticket with PayPal Merchant Services and they would let me know right away what was wrong. I just checked at XXXX XXXX and the money is still pending and I still have no explanation as to why my money has not transferred.

Company response to consumer: Closed with explanation