vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I filed a dispute with my bank ( XXXX  XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Cascade Collections, Inc.
State: CO

Complaint narrative:
this debt is over 9 years old and is listed as closed on XXXX and XXXX  the dates are changed and has been removed from all 3 reporting agencies at least 3 times over the last 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was inquiring with Discover about a home equity loan, trying to find out about rates, possible monthly payments, terms, etc. on XX/XX/2018. The loan specialist did gave some rates and calculations after that she have told me to go ahead and she will start an application since she have prequalified me for the loan and will be getting more information from me and documentation as well. It was a lot of information and I feel that she was going fast and everything was just going fast. Nonetheless, the application was taken and then I have submitted documents that they were asking also. I called today XX/XX/2018 trying to ask if they can put my application on hold because I have  inquire some place else and they will be giving me a lower rate compare to what they are giving me so I ask if they did a credit inquiry already on my credit and they said yes so I ask if it was a soft or hard inquiry and they mentioned that it was a hard inquiry which I am really worry knowing that it seems different from what the loan specialist explained to me while obtaining my application and information over the phone. I have asked them is there any way that it can reversed since I wasn't aware that it will be a hard inquiry versus a soft inquiry the I would have thought about it some more knowing that she was giving me so much information over the phone and there are times that I have to ask her to repeat the questions or information because I feel that I wasn't fully understanding everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX, and an XXXX in United States XXXX XXXX.I '' ve recently opened an account with usaa and made my initial deposit of XXXX $ .but they seem to have denied me access to my account and online banking due to no 1 specific reason that they have yet to tell me.And now there talking about closing my account that I have not been able to use.so I want to be treated fairly as an Man and not a statistic.USAA never calls me or email me pertaining my account.I really feel lost and discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I purchased furniture from XXXX XXXX store in XXXX. ProCollect has owned this debt since XXXX. We were victims of a burglary and most of the items stolen from us. We filed a claim with XXXX XXXX we had purchased but it was never resolved. I called them to attempt to resolve it. Every time I have called they have said that I am refusing to pay. I am not refusing to pay. I am trying to settle. Today, XX/XX/2018, my husband helped me call, because I thought perhaps I was not communicating properly that I want to settle. We received aggressive and threating language from a Ms. XXXX and Ms. XXXX and the rest of the agents hung up on us. They also refused to assign us a new case manager. They claim they called me and I refused to pay, I was the one who called to try to resolve it. The call log is attached. 

I would also like a transcript of the phone calls so that it is made public and this company is properly investigated. Their modus operandi is disrespect, scare tactics, and aggressive behavior. They also misrepresent they have supervisors on the line and they don't. It felt like our conversation for a debt resolution was office gossip and one of  the agents event threatened to go to " XXXX ''. It is unsettling to know people have our personal information and are willing to threaten us over a debt.

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CEASE AND DESIST COLLECTIONS AND ALL CALLS WE HAVE DEALT WITH XXXX OURSELFS AND RETURNED THE SNAP SHOT DEVICE ON XX/XX/2018.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: MI

Complaint narrative:
I have been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CA

Complaint narrative:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, trans union, failed to report that the cards had been paid off, we contacted the Banks, and  they kept sending the information, transunion, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I was with XXXX XXXX XXXX for my cell phone service and XXXX XXXX. I had cancelled my cell phone service when moving from XXXX, XXXX to XXXX, XXXX. Once my move was complete, I had my dXXXX XXXX transferred and stayed with XXXX XXXX XXXX. I continued to receive billing just for XXXX XXXX and continued to pay all amounts due. I am in the process of trying to buy a home in XXXX and found out that I had a collection with XXXX XXXX XXXX that was sent to Diversified Consultant. Again, I was still with XXXX XXXX XXXX ... they had my contact information and I was never called or notified of this debt. I went ahead and reached out to Diversified and explained my situation ... I was told the only way to remove the debt from my credit report was to pay the account ... so being under pressure ... I paid the debt. I had also reached out to XXXX XXXX XXXX Office of the President to let them know what had happened ... I received the notification via email indicating that XXXX XXXX XXXX sent an email requesting the deletion of the account from the credit bureaus. The account has not been deleted as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I called our mortgage company, Chase to ask about any programs that could lower our monthly mortgage payment. Our financial situation was changing and I was looking for ways to adjust our budget while we considered a long term solution. I asked about just making interest only payments but was told I could not make partial payments. I spoke to several different people in the beginning because each time you called the customer service number you got whoever answered the phone but eventfully I was told I needed to start missing payments to qualify and not just pay them late. I did get a packet to apply for Chase 's Mortgage assistance program which I mailed in using their prepaid envelope. But they didn't receive it, so then I faxed a copy to them in XX/XX/XXXX. But before I heard anything back from them I received a letter saying they would no longer be servicing my loan as of XX/XX/XXXX. That was the last I heard from them until XX/XX/XXXX when I received a letter from Chase telling me they may have made an error while we serviced your loan that could have extended the document collection period during our review of your application for mortgage assistance. We've enclosed a check for {$100.00}. as compensation. When XXXX took over in XX/XX/XXXX they wanted over {$5000.00}. to bring my account current or they would start foreclosure actions against me. Chase may not have had any control over what transpired after they transferred to another servicer but they sure had a hand in getting the ball rolling. Your customer service did not handle this correctly right from the start by giving misinformation, by misplacing documents, by not keeping me correctly informed about the status of my application. I was never denied anything, never asked for more documents or information just transferred. In XXXX you contacted us to give us a rate reduction because we paid on time ; had a very good credit rating and our LTV ratio was low. Within 30 days it was done and with no closing cost although I didn't think it was a great financial decision my husband was happy that the payment was lower. So what happened this time? It has cost us over {$9500.00} so far to keep my home from being sold at a sheriff sale. The loan value of my home has gone down because it's in foreclosure. We are trying to sell but it's been difficult since most home buyers don't want the uncertainty of a foreclosed home or they are investors who want to purchase at way below its value. And our credit rating has dropped considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}

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 2018-08-13 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: CO

Complaint narrative:
I contacted Navient in XX/XX/2018 requesting to continue my hardship program informing them that I am still having financial hardship and to please consider allowing me to keep or lower my current scheduled payments. I was hung up on three times until I finally reached someone, then placed on hold for about 25-minutes not realizing my credit report was being pulled. When the person came back, she then advised me that I had acquired new debt and didn't qualify since new debt had been acquired. I was a bit confused because I wasn't sure what she was talking about since I was unaware my credit had been pulled without my authorization and new debt had not been acquired. Regardless -- a loan had been refinanced to lower payments because I was unable to pay the amount. I then received a over draft because Navient took larger amount that I was aware out of my checking account and now they've increased payment to double the amount and refuse to work with me unless I will provide my bank and pay check stubs. They don't take into account two car payments, living expenses, nor the fact I can't even pay my private loan ... they are forcing me into bankruptcy and rude. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to challenge Citibank 's position on a disputed charge. I placed an order with a merchant. I did not receive my order. I contacted the merchant to resolve the issue. Then I contacted Citibank to resolve the issue when the merchant stopped responding. 

XX/XX/2018 - Order placed at XXXX XXXX XX/XX/2018 - Order had shipped according to tracking number XX/XX/2018 - I contact the merchant because the tracking number indicated that the order was delivered to me, even though it was not. I ask for assistance. 
XX/XX/2018 - I email the merchant again because I did not hear anything from them, and they have no phone number by which to contact them. 
XX/XX/2018 - The merchant informs me that they must open a claim with XXXX before they issue a refund or a replacement. They estimate that it will take 5-8 business days. 
XX/XX/2018 - 9 business days later I contact the merchant to see if there is any update. 
XX/XX/2018 - I am once again told by the merchant that after the final paperwork is received from XXXX, that they will issue a replacement or refund. 
XX/XX/2018 - I ask how much longer the process will take. 
XX/XX/2018 - After receiving no response I reach out again and ask for a refund. 

I placed an order with XXXX XXXX. I contacted the merchant as soon as I realized that there was a problem with the delivery. They had promised to address and rectify the situation several times. I have been sending Citibank emails and screenshots for months now, and I received a letter saying that they can not resolve the dispute in my favor because they have not received a " credit slip or chargeback approval from the merchant to prove they agree '' I am due credit for this charge. The merchant would not help me in the first place, which is why I had to resort to contacting my credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
They call daily over 5 times a day and sometimes within 10 mins of each other. They call from blocked number so there is no number. Then they use spoof numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
My complaint is with Gamache and Myers. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XX/XX/XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XX/XX/XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.

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