vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
Starting XX/XX/2020, I started shopping for XXXX XXXX XXXX with no credit needed as long as I had a free and clear Title to my car that would be good enough with a few more details needed but no Credit under several names but still being 1 of same company ran my report threw experian 4 times one being the last XX/XX/2020 that bringing my score down i ask before in the beginning no report ran unless its for ID purposes only!! And the loan wasn't declined for credit reasons ... .Well it was and for that reason makes it difficult to apply anywhere else.. The company doing so goes under names that are still 1 company knowledge of this would have helped in how many times I applied to company if the same results were given at the first XXXX XXXX loan company or XXXX or XXXX XXXX  approved no credit bad credit approved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out a private student loan with Sallie Mae In XXXX of XXXX for {$6400.00}, and another loan for {$1500.00}. In XXXX I was struggling to make payments, I fell behind. The loan for {$6400.00}, went up by {$9200.00} due to forbearance and capitalize interest charged. The amount of payments that I missed on my second loan was {$1200.00}. Both loan was charged off to XXXX XXXX. When the loan was charged off to XXXX XXXX, the representative at XXXX offered me to apply for a Income driven plan. I was on a payment plan for both loans, I paid off the {$1500.00} dollar loan on the payment plan and I was making the payments for the {$6400.00} loan. I later found out that the Income driven plan only applied to Federal Loans. While, I was making the payments with XXXX XXXX, Sallie Mae record missed payment each month and also charged the account for late fees. The account was sent to XXXX XXXX XXXX XXXX XXXX, for the past 3 years I am making a monthly payment that is deducted from my account the last day of each month. Navient who is now the owner of the loan listed my account as missed payments, past due, add missed payments fee and interest charged. Even though I am in agreement with XXXX for a monthly payment that is deducted from my account. In XXXX of XXXX Navient recorded a charged off amount of {$5300.00} which is the amount of the missed payments that was charged every month on their end. When I called XXXX about this issued they told me to call Navient. Navient response is for me to write a letter to their credit escalation team, I did, I never received a reply. My account need to be adjust, I was paying the monthly payments each month thru XXXX and Navient recorded that I was not making any payments. I would love for this issue to be resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare, an entity of XXXX XXXX, an entity of XXXX XXXX all of whom are predatory lenders. 

Closed on mortgage XX/XX/2020. 

Received escrow check without interest payment, violation of R.I. General Laws 19-9-2. 

Never filed a satisfaction of mortgage with recorder of deeds in XXXX, RI.

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 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
SSI was to put my monthly cash on a Direct Express card, I was really supposed to have the money go into my checking account. SSI messed that up totally! 
However, they said they mailed me a direct express card, i never received it!! All of my bills are past due, and if someone finds the card, they will have my SSI for the month!! 1 I attempted to call Direct Express for 2 days, I WAS ON HOLD FOR OVER 8 HRS TOTAL!!!!!!!!!!!!!!!!!!!!!!!! 
AND DISCONNECTED SEVERAL TIMES!!!!!!!!!!!!!!!!!!!!!!! 
NOW, MY MOTHER LITERALLY JUST DIED ON XXXX XX/XX/XXXX, I AM ALREADY AN ABSOLUTE XXXX, NOW THIS TOTAL XXXX TO BOOT????????????????? 
DIRECT EXPRESS SHOULD BE SHUT DOWN, THEY ARE XXXX, AND DO NOT HAVE ANYWHERE NEAR ENOUGH PEOPLE WORKING THERE!!!!!!!!! 
I NEED THE CARD NOW, I CAN NOT WASTE ANYTIME BY GETTING A NEW CARD, MY CAR INSURANCE IS PAST DUE!! A STATE REP TOLD ME THAT THEY WOULD OVERNIGHT A CARD, THEY WERE TOTALLY WRONG, THEY SAID THEY CAN EXPEDITE ONE IN 3 DAYS BUT WANT TO CHARGE ME {$20.00}!!! I BARELY GET ENOUGH MONEY TO SURVIVE AS IT IS. I WANT IT SENT TO ME FOR FREE, AND I NEED THE TRACKING NUMBER OF HOW IT WAS SUPPOSEDLY SENT TO ME, THEY HAVE NO CLUE WHAT THE TRACKING NUMBER IS!!!!!!!!!!!!!!! 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My lender, PNC, is making withdrawals for payment from my XXXX  checking account, from which I have already verbally and in writing asked them to discontinue because I am making payments from another account. Twice now they have, without authorization, withdrawn funds from my XXXX account. The last time they did it, I had to wait 2 weeks for them to process a refund to me and they assured me that they had deleted all of the XXXX checking account information from their records so that this would not happen again, yet here we are, a second time, and right before the holidays when I need the money in the XXXX account, they have debited the funds again without permission. They now again how 2 payments, and I need the money reversed back into my XXXX account, yet I can't even get someone on the phone now, and they are telling me someone will contact me in two games. It's not my first rodeo with them, as last time, after the 2 days had passed is when they said they would have to wait 2 weeks to process the refund. I don't understand how there is no way I can stop them from taking my money from an account without authorization. This should be criminal, as it's basically theft taking the money from my account after I have withdrawn authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have always had perfect credit and pay my bills on time. 
I have relocated and my mail has not been proper with XXXX XXXX. I made the payment onetime and whoever the agent was took down the wrong account number and the company reported late on my credit bureau report included with my husband. If this company can not remove the late off of my credit, I want to disassociate myself with the company. 

I am a very successful and there is no reason there is a late on my credit report due to the company 's error.

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 2020-12-02 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc.

Complaint narrative:
Vanilla visa charges {$2.00} per month after 7 months for a maintenance fee. I had a {$100.00} gift card for my XXXX birthday in XX/XX/2018 which now has only {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-02 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Nelnet, Inc.
State: NY

Complaint narrative:
ISSUE : XXXX XXXX FAILED TO GET ME DECENT JOB WITH MY XXXX DEGREE OBTAINED FROM THAT GRADUATE SCHOOL SINCE XX/XX/2016. NOW I HAVE MY XXXX XXXX AND ONLY DOING XXXX XXXX FREE WORKS AND NO PAYMENT. ALSO HAD PROBLEMS WITH XXXX XXXX XXXX, XXXX XXXX AND XXXX UNIVERSITY WHICH WERE FURTHER STUDIES AND NO TRANSCRIPT GIVEN SINCE THEY NEVER GAVE ME TIME FOR COURSES MAKE - UP AFTER DEATHS AND PERSONAL INJURIES WITH IN MY EXTENDED FAMILIES. SO FAR DEBT TOTAL AT ABOUT {$100.00}, XXXX AND NO JOB HELP AND OR SUPPORT PER PAYMENT. I AM A SPECIAL SENIOR AND SOME OF THEIR STAFFS NOT HELPFUL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: DISCOVER BANK
State: TX

Complaint narrative:
Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
All 3 credit bureaus. Experian XXXX and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I open a TD 60 Plus Checking account. 

On XX/XX/2020 I deposited {$250.00}. into the checking account. 

I received, via US Mail, a folder containing blanks check to be used with this account. 

In the latter part of XXXX, I continued to deposit into the account by visiting a local branch and submitting cash deposits totally approximately {$8000.00}. 

Starting on XX/XX/XXXX, I started writing checks against the TD 60 Plus Checking Account. 

On XX/XX/XXXX, I learned that my checks were being rejected. I learned about this through a separate bank account receiving checks written against the TD 60 Plus Checking Account. 

I physically went to the TD branch bank to inquire about the reason my checks were being rejected. Prior to this, I received no notice, via US mail, via email, or from TD bank employees at the bank when I was depositing into the account. 

I was told the account was closed. I was given no notice. I asked why the account was closed and I was told that they could not tell me. I still, to this day, do not know why this account was closed by TD Bank. 

A couple of days later I went to another TD branch collect my funds that were in the account. I was given a cashiers check for the full amount. 

I incurred returned check charges on the receiving bank and I am looking for restitution. I think punitive damages are also warranted due to their egregious behavior. And I want an explanation on why they unilaterally closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: OVM FINANCIAL, INC
State: AR

Complaint narrative:
Me and my husband were living in Arkansas at the time and trying to find a home in Virginia so we went on XXXX found a agent on there who showed us properties over XXXX. On XX/XX/2020 we found a house we liked and saw it over XXXX with our realtor who said the house was absolutely lovely and nothing was wrong with it. So we put an offer on the house {$170000.00} our offer got approved and we moved on to starting the contract that week. We came to Virginia XX/XX/2020 and saw the house XX/XX/2020 @ XXXX and it was not what we saw on XXXX. The vinyl outside the house is bowed out bad and the main floors inside are warped and have water damage and have sinking spots all in the main floor of house. The house has cracks all in the walls, kitchen cabinets have mold all in from water damage, upstairs has carpet but under carpet is ply wood in pieces that is soft and unstable in some spots. Front porch is leaning to the left side with a sage in the middle. They gave us the inspection report after we signed all the contracts so we never got to see what all they had done. They said they had bought everything and fixed it all but they didnt fix the floors or outside vinyl. Inspection states that there is rotted wood under main floor as to why it was sagging. We told our agent that we dont want this house bc of all the damage and false advertising of house and them saying they fixed everything and did not. Our agent didnt start the process for us to get out of contract till after XXXX  even tho she could have started it that day when we told her no to the house. XX/XX/XXXX we signed the release form. We then got another email from our agent saying the seller will not sign the release form and has legal counsel and an attorney and wants her 3 % of the house for taking off the listing because she had 4 other offers she could have taken. So now we are trying to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
All 3 credit bureaus. XXXX XXXX and trans union. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
All 3 credit bureaus. XX/XX/XXXX Equifax and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2020, Barclay Mastercard ( Delaware ) electronically withdrew from my checking account {$1100.00}, which is the amount I owed ( total ) at that time. On XX/XX/2020, they withdrew the amount again. This put me in a negative balance. This is reflected in my checking balances. 

Since that time, I have called many times, sent a total of 3 certified letters, contacted the Office of the President, and nothing has happened. They do not return any calls, although they say they have called. 

They insist I still owe them {$1100.00} + interest. The fact is they owe me {$1100.00} + interest since it was taken from me twice and account is now closed. 

I am more than willing to go to court over this as I have the documentation and bank statements to back up my claim. My bank is also willing to provide whatever it takes to resolve 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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I purchased a food chopper from Kohl 's using my Kohl 's credit card. It was supposed to be delivered sometime between XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX, it has not shipped. 

I have been trying to cancel the order for weeks. Several times chat agents and their supervisors have assured me that they have credited my account, but they have not. 

I received my bill yesterday and the charge is there. 

I have tried repeatedly to get them to remove the charge and while they promise to do so, they have not. 

It is not fair for me to pay for something I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: PA

Complaint narrative:
I am being called by Portfolio Recovery Associates XXXX  about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by XXXX XXXX XXXX  ( XXXX ), XXXX. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 XXXX XXXX credit cards that I have never had any issues with.

Company response to consumer: Closed with non-monetary relief