vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I went to the XXXX, FL Amscot but before I came I spoke with XXXX on the phone to see what documents needed to process the loan. She explained she see me in the system so all I need bring ID, recent document showing proof of income, and check that will be kept on file. Went to the place and then a rep named XXXX ended up taking over. She told me I was approved and then a text message was sent to my phone stating your approval number is XXXX. Then I asked rep XXXX how much was I approved for and she didn't know, so she called corporate and stated I owe {$50.00} from the year XX/XX/XXXX and it was the fee to checks written back in the day. I explained to her Florida Statue of Limitations has passed. Well then she stated you must pay something. I was going to put a dollar on debt but did respond to text message and stated " Hi Amscot, this is XXXX. Can we set up a payment for XX/XX/XXXX {$10.00} a month for old debt. '' Please keep in mind was approved for {$150.00} needed {$180.00}. Then XXXX come back she is well aware of the law and Amscot has their internal financial services, but I stated still don't override State of Florida or Federal Law ;  so I guess I hit a nerve and then she gave me the attached document reason for rejection is other delinquent past debt. 
What is the rule of thumb when a debt is 15 years and the bank refused to loan you the money. XXXX did state I paid debt back but not the fees, and to me that really sound crazy. I never knew it was an outstanding debt owed but now it still shouldn't reflect present day loans. At the end of the day no loan occurred and disappointed. It is XXXX years old. I  wanted to start New and they didn't but need to know what is the correct way to handle this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On, XX/XX/2018 {$1000.00} was sent from my Chase account ( Via XXXX  ) to a recipient in XXXX XXXX XXXX, Illinois. Within a hour or so, I noticed the funds were not received by the person I sent the funds to, but was received by an incorrect account holder. I immediately contacted Chase ( same day ) and was advised by the representative to submit a claim. I submitted the claim immediately as requested by the Chase Customer Service Representative ( CSR ).

I followed up with Chase daily, but could never speak to anyone from claims or the " back office '' as the CSR called the department. Several days later I was told by the CSR that Chase contacted the incorrect account holder but did not receive a return phone call or letter. CSR stated that because there was no response from the person the bank would do nothing and denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Attempted to use the trustedid premier equifax product ( I have been given this product free because I was identified last year as one potentially affected by their data breach ) to monitor my credit during a temporary unfreeze period ( XX/XX/XXXX to XX/XX/XXXX ) verified by all three credit bureaus ( XXXX, XXXX and Equifax ). At first, trustedid exhibited an error message, but that was fixed mid-week ( XX/XX/XXXX, probably ). After that, trustedid exhibited a message " your credit is frozen. '' I have  verified with the equifax phone system that my credit is indeed NOT frozen, and was issued a verification number. I did this for the second time early morning yesterday, XX/XX/XXXX. I also did it earlier in this week ( probably XX/XX/XXXX ). 
Earlier in this week ( probably XX/XX/XXXX, maybe XX/XX/XXXX ) I called equifax customer support to inquire why I was unable to used trustedid to monitor my credit when I had unfrozen the credit and had a verification number for that action. They told me I HAD TO give them my full social security number to unfreeze my credit. I did not want to give in to this, but I did, having the credit unfrozen until XX/XX/XXXX and being issued another verification number. When I had time to see the result ( XX/XX/XXXX ), I still saw the message " your credit is frozen. '' I called equifax customer support XX/XX/XXXX, AFTER using the phone again and issuing an unfreeze of my credit until XX/XX/XXXX and receiving another verification number. I asked why I could not monitor my credit when I had issued a credit unfreeze. They tried to make me surrender my social security number, again, to perform a credit unfreeze. I refused and I cursed at the equifax representative, which is the first time I remember ever doing to any representative for any company. I hanged up and called back and got a different representative, who tried to get my social security number but I stopped them cold and demanded to know why my credit could not be monitored with trustedid when I ABSOLUTELY HAD UNFROZEN MY CREDIT with a pin and had a verification number. They then diverted to a time issue ( i.e., when did I unfreeze it ). I told them I had issued an unfreeze a couple hours before. I was told to try again in a couple hours. 
Well, I waited about 20 hours. Tried today, XX/XX/XXXX, to monitor my verified unfrozen credit. The message " your credit is frozen '' is all I get from the trustedid online service. It does not allow me to monitor my credit. The service it claims to provide does not exist for me. Trustedid is a non-functioning outrage, a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a member of USAA bank for over a decade. I have paid a {$5000.00} dollar personal loan at 16.5 % in full. I have paid a credit card at 26 % interest in full. I have tried to get insurance through usaa for nearly 4 years now and have been denied time after time. I have tried to get an auto loan for the past year with usaa and have been denied every time. I deposit checks and usaa holds half or over half of my money for a week. Leaving me only a fraction of my money to live on. USAA does not care when I call and beg for my money when they decide to hold it. They instead tell me to do a cash advance through my credit card so they can make 30 % interest on their desperate broke customers money as they hold it hostage for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have many issues with this collection agency. 
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced. 
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information. 
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
When we made the final lease payment on a 2015 CRV with Honda Financial Services, they attempted to add on a {$350.00} " end of lease '' penalty/fee for not buying the car. There is a section ( see attached copy of agreement ) that mentions a fee, but there is a N/A next to it which we were told meant non/aplicable and it did not apply to our lease. We leased from XXXX XXXX ... which has gone out of business and is now owned by XXXX XXXX XXXX. I have sent two responses along with a copy of the lease with highlighted section showing the penalty/fee does not apply to us to both XXXX XXXX and Honda Financial Services.. They just ignore my correspondence, send us more bills and threaten to ruin our credit by reporting us as being delinquent to credit bureas.. We made 39 lease payments, all on time, and returned vehicle in perfect condition ( professionally detailed ) and with only XXXX of XXXX miles used. Tacking on an additional fee that does not applhy to us seems very close to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX has called my phone with an Unkown caller-id mask dozens of times in the past 5 days. Their " Unkown '' number status is ranked with the likes of IRS scams, retail scams, and worse in apps such as XXXX and XXXX XXXX and they have absolutely no ground to hold any client responsible for missing or outright ignoring them. 

In order to determine who was calling me dozens of times, I had to purchase a subscription to XXXX ( a mobile app that allows unmasking of Unkown caller ids ). 

They called about a bounced payment which did not reflect on my consumer web app, nor my bank account, which lead even more into the belief that this series of unrelenting calls was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am not able to give exact dates or names. I have been having housing issues as a tenant at a residence from XX/XX/XXXX until XX/XX/XXXX at which time I was purposely evicted. I am still not able to find a place to live because of intentionally filed eviction against me. To add to that entry into my credit file, Navient had and continues to still have negative entries of non payment added to my credit file and that is done in a monthly basis. There are no hardship forgiveness nor any other options for people such as myself who are without housing or who are having such an economic issue like or similar to mine. The only option they have is to repay a student loan no matter is it will make you become deeper into a living hardship while still living without a place and homeless. 
The late fee and rates are even worse. All of that hurts me more. 
Please add me to the class action lawsuit against Navient. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is a vehicle that was purchased under the company credit not my personal credit it should be moved to 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 non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Equifax, for continuing to report a Chapter XXXX Bankruptcy on my credit file. I have sent numerous letters to include the letter from the Bankruptcy court indicating that they do not provide information regarding bankruptcies to credit bureaus. I also included a letter from XXXX XXXX stating that case # XXXX has been removed from my risk view report. Lastly, I sent a copy of my XXXX  credit report showing that the bankruptcy was removed from my credit file XX/XX/2018. I am demanding that Equifax removes this public record immediately. I have sent viable evidence showing that they are reporting incorrect information that can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Diversified Consultants due to they are still reporting a derogatory account on my XXXX and XXXX  credit reports. This account has been removed from XXXX credit report. 

Diversified Consultants has yet to provide me with validation showing that this account belongs to me. I do not recall opening this account and have never had an account with XXXX. Therefore Diversified Consultants can not continue to report an account that does not belong to me. I am demanding immediate removal from my XXXX and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I get phone calls morning XXXX  and night. I have told them to stop so many calls but they still call even on Sunday in the morning. I had two calls in a row on a Sunday morning from XXXX XXXX. I received 9 calls on Saturday. I receive about 9 during the week day every day as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. 

I have a late fee attached to by account because of their " computer glitch ''.

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 2018-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing this letter to get a meaningful resolution to my continuing issues with Wells Fargo Bank. This has been going on since XX/XX/XXXX. They have lied in court and on an affidavit and at least one case my checks was processed without an image to verify that the check was processed correctly ( it was scanned- I was told by my Bank representative ). After this happened I started sending my payments electronically, which I originally had done at the beginning of the loan. 
I had to write the FBI along with contacting The Federal Reserve Consumer Division even to get a printout of payments made to Wells Fargo Bank from Wells Fargo Bank. I got the printout in XX/XX/XXXX. 

Wells Fargo had required test payments to be made by mail and they started out wanting the payments to be made by mail in check each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX by Wells Fargo Bank refusing payment in XX/XX/XXXX. When we went to court in XX/XX/XXXX, Wells Fargo claimed that they had not received payments, but that was proven to be a lie with me presenting my Bank statements. The next test period that Wells Fargo wanted, I refused to mail in the the payments but instead I made them electronically. Again Wells Fargo Bank refused the payment. Again, Wells Fargo claimed they were not being paid and then I requested from my Bank a printout of all payments. The printout was submitted in my affidavit in XX/XX/XXXX. The payments that were paid to Wells Fargo per their instructions was followed but I had not paid through regular mail in check. 

The payments that Wells Fargo received in XX/XX/XXXX before their original filing by them for a foreclose in XX/XX/XXXX. Wells Fargo had claimed that they had not received these payments. Proven false, and by finally getting a printout from Wells Fargo Bank in XX/XX/XXXX, that they had received payments. Those payments were placed in the Florida unclaimed funds account and I received notification of this by independent accountants writing me by mail. The notification of the funds being available was this year XX/XX/XXXX. 

I have tried to pay Wells Fargo and bring the mortgage back on track, but Wells Fargo has continually refused payments, even when they were negotiated. Wells Fargo has issued false claims and lied in court too. One more thing, Wells Fargo in XX/XX/XXXX sent an agreement that tacked on {$40000.00} without an explanation and it came after the letter to the FBI. 
Thank you and your office for any help that can be given in this matter.

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