vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.

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 2017-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not let me re-dispute 2 incorrect times on my credit 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
Consumer complaint received 2017-07-09 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: CA

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with XXXX XXXX that was opened in XXXX. This was brought up because they pulled my Experian Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.

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 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The Credit CARD Act of 2009 requires banks to give at least 45 days notice of any significant changes to a consumers account. On all 3 of my credit cards with USAA bank, with no notice they restricted my account access, within a week my available credit was frozen and shortly there after all my accounts where closed. I was provided no notice and was given no actual explanation. I 've requested documentation on numerous occasions which was all ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
According to federal consumer laws, mainly The Credit CARD Act of 2009 banks are required to provide at least 45 days notice of any significant account changes.Without notice USAA restricted my online account access and shortly there after cancelled my account. No notice, explanation or documentation ( which was requested numerous times ) has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
It unlawful to discriminate against anyone who has exercised any rights under the Consumer Credit Protection Act.Yet, directly after exercising my rights, filing a complaint with the CFPB USAA first limited my account access to all my accounts with no explanation, then froze my available credit only to finally close the majority of my accounts. The accounts they did not close, they have refused to grant me online access as well as refusing to mail me statements. Thus I do n't have any way of knowing what and when to pay. Their explanation for refusing to send statements to my remaining accounts was that I agreed to receive documents online thus they are unable to send statements. Yet it was they themselves who are preventing me from viewing the statements online. In addition they also began reporting negative information despite the accounts being in dispute. <P/>This was all done shortly after I filed a complaint with the CFPB in regards to their reversal of a finalized billing dispute a year prior, as well as their refusal to provide any documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.

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 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
In the fall of last year I called XXXX XXXX XXXX to get information and pricing for a home phone because I was thinking about switching from XXXX. I only asked for pricing information but unbeknownst to me the Customer Service Rep had put service in my name that I did not authorize and never knew I had the service until I received a bill in the mail. I called XXXX XXXX XXXX and explained the situation and after about 3 weeks of talking to various different supervisors the last person I spoke with ensured me that they had credited my account to a zero balance and closed it. Know I am seeing that I still had a balance and it was sold to Receivables Performances I called them and explained that I do not owe this debt as I never authorized for it or used the services.

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 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
For the months of XXXX and XXXX Chase bank charged interest and late fees because I was told my full payment was made 2 days late. I explained to two different customer service reps and two managers that I was not sure how it could have been late since it was paid electronically like is done every month for the past 5 years and have not had a problem until now. They would not waive the interest charges. I fell like this is a scam to extort money from me. They are not interested in helping me. I ca n't believe that a good customer who spends around {$20000.00} a year on their card they would treat so horrible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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:
There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: CA

Complaint narrative:
There are 10 credit inquiries on my XXXX credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.

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 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was doing the XXXX app and was trying to pair my bank with them and it wo n't do it at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Choice Assets LLC.
State: GA

Complaint narrative:
The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?

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 monetary relief
Consumer complaint received 2017-07-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
<P/><P/><P/>
Please see the letter provided by XXXX XXXX in XXXX 2017 for the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I 've notified the company numerous times, that I did n't owe this bill. I complained to the bbb and diversified consultants, stated they would remove it from my credit files, but as of today it 's still showing on my report. This was a result of Fraud, I live in Georgia. This bill happened in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC.
State: PA

Complaint narrative:
I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: AES/PHEAA
State: DC

Complaint narrative:
I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.

Company response to consumer: Closed with explanation