vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: NV

Complaint narrative:
On XX/XX/2018 I was making a reasonably large purchase in the amount of {$3700.00}. I had {$4100.00} in my account. I called Netspend customer service to ensure the transaction would proceed without issue. I was reassured that there would be no problem. I informed them the location, amount and company name the purchase would be from. approximately 3 minutes later, the card was swiped and declined. Netspend held {$4100.00} on the {$3700.00} charge. I called customer support and they informed me that Netspend holds 15 % on all rental charges. This is something that is not in the terms and conditions. customer support informed me also that to receive my money back, i would have to provide them with a confirmation receipt that the transaction was declined. upon providing them with the only documents i was able to get, they informed me that it was insufficient and that there was nothing more they could do. The merchant had sent them an email with the declined receipt attached. 2 representatives would not transfer me to a supervisor, and all of the reps would not allow me to be transferred to a united states call center. XX/XX/XXXX, i received a call from their corporate headquarters to verify the transaction had been cancelled. The funds were immediately released to my account with no further question. I spoke to XXXX XXXX, Corporate customer experience representative. I asked him where this information was in the terms and conditions, he informed me that it was in " pending transactions ''. after searching through the document, i was unable to find anywhere that addressed rental transactions. I asked him to locate it for me, after which he quickly ended the call stating he didn't have the time. I am very upset with the customer service of this company. There is a huge communication barrier in the fact that many of the representatives do not understand the english language well. To top off the matter, they will not transfer their customers to an american center where the communication will not be a barrier. If customer service is an important matter, this company is not one to give business to.

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 2018-04-24 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: TX

Complaint narrative:
I have several loans under " Navient ''. I have NEVER signed a contract with Navient. They continue to harass me and my co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They have XXXX XXXX, social security and another employer who are putting me on a credit report for what have not worked for them over 20 years its not right or fare. Can you please take off any bad thing on my credit report cause its been many many years ago, don't know why employer 's could do such thing. Thanks trying to clean my credit up

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried over a year to access my Equifax report online through their website and annual free credit. I received the same error message from their site stating they can not verify my identity. I have submitted copies of my ID, pay stub and utility bills with my current address, name, and other important information. I made several calls to the company to gain access to my credit report online and been informed they can not give me online access but can send me a paper copy of my report. If I need to dispute anything on my report, I need to submit it back to them in paper format. I have disputed several items on my previous report but never received anything on a status of them. I have even heard them never received my request in the mail. I do not understand why I have not or am not able to gain online access to my credit report. No one can explain to me the reason why either. I need online access to my credit report so I can make documentations that the report was submitted with a potential deadline on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
re-aged account. date of delinquency changed on consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
To whom it may concern ; How can you stop these letters from coming

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did NOT properly investigate the 6 collection accounts that STILL appear on my reports, all they are USING is XXXX which automatically puts your dispute into a 2 digit code. 

I am requesting a METHOD OF VERIFICATION as allowed by law. These accounts should be REMOVED from 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 2018-04-24 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: NY

Complaint narrative:
My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
ID complaint file XXXX. XXXX did finally what they were suppose to do. on the other hand Bank of America was the first. We had XXXX XXXX and XXXX, the federal government closed them down. No one told us anything. we found out on the XXXX XXXX  news. After 6 months of trying to find out what to do we were called by Bank of America and told we owe almost {$6000.00} dollars. I said so how are we suppose to pay this. they sent us a contract that said every year they will raise the mortgage 6 % until it is paid. we called and called and talked and talked. no one helped they said we were in forclosure on our credit report and we never were. Lawyer after Lawyer never told us our credit report was wrong. WE found out after the short sale. My wife XXXX has lost her job 2 times because of this. We spoke to Bank of America recently and nothing was done except you closed this case. They need to compensate us for illegally reporting false information and ruining my wives career. XXXX finally did what they were suppose to do even though they did not help us either. We will probably never mortgage a house again because of 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 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX  and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I learned I was the victim of identity theft. Upon reviewing my Experian credit report I discovered numerous errors and accounts resulting from the identity theft. I sent an initial dispute letter dated XX/XX/XXXX notifying Experian of the errors and requested that the information be corrected. In that letter I requested, should they refuse to delete an item, that under federal and state law that they provide me a copy of evidence in support of their findings. I also advised them of my rights as a victim of identity theft and submitted all required documents per statutes. 

I monitored the report for the next several months while Experian investigated the issue. 

In XX/XX/XXXX I reviewed a new copy of my Experian credit report. I found that it still contained two errors. I sent a letter to Experian dated XX/XX/XXXX, a copy of which is attached. In that letter I demand that Experian correct these errors. I submitted documentary evidence clearly showing that the information is incorrect. I also requested that in accordance with federal and state laws that Experian provide me with records pertaining to this account and information on how they verified the information. 

On XX/XX/XXXX I received a generic response indicating that the " company that reported the information has certified to Experian that the information is accurate. '' However, I did not receive any of the documents or proof or an explanation of the procedure for how and who verified this information. 

Experian refuses to correct the inaccurate information they are reporting about me. Further, Experian refuses to follow federal and state guidelines that require them to correct incorrect information, taken certain steps for victims of ID theft, and to provide records pertaining to a " description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonable available the telephone number '' upon my request. 

As of the date of this complaint Experian has failed to either correct the information or provide a description for how they " certified '' the information.

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a stall tactic for not having to remove inaccurate, outdated and Hippa violation accounts reporting to my credit report ; Equifax has place a 90 day fraud alert to my credit report and sent a letter to XXXX and XXXX advising them to do the same. I NEVER requested a fraud alert as the letter stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had hurricane damages so I gave Chase the check and they released XXXX so we then proceeded with the repairs, all were water related so they had to be done and it was more than they released to us. I then put my own money out for them all and work is 100 complete. They are still holding XXXX and said after an inspector that they sent it would be released. The inspector was out on XX/XX/XXXX and send them a report 100 complete. They said it was not sent, I contacted him and he sent it numerous time to them. He said it was them not processing? Don't know who is lying but I need my money, I suggested another inspector to come out and he did, same results house 100 complete. I called they said same not done? I don't know how to get my money, I used all my saving to get this done and wont have my mortgage payment among other bills until I get this. I am XXXX year old widowed veteran and live on a fixed income. I am sure you can understand how hard this is on me. I just want what is mine and not even a supervisor has followed through to help. I have spoken to XXXX XXXX, XXXX XXXX at Chase insurance their phone number is XXXX their tracking number for my house is XXXX. This claim check was first issued in XXXX of XXXX. I am attaching a text picture that the inspector sent to me of 100 percent done. His name is XXXX XXXX XXXX if you need that information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC # XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/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 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. 
In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX  balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. 
I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I have two houses House-A and House-B. I lived in A until XX/XX/XXXX and moved to B. Now, house B is my current primary residence and will stay here for long period. 

We bought this house ( B ) in XX/XX/XXXX when my children were born ( XXXX ) and we lived here until XX/XX/XXXX, they grown here until they become XXXX XXXX XXXX. In XX/XX/XXXX when we moved back to this house we felt like we are back to our true home. Also, one important thing to note is my kids go to the school right in front of the house B. 

I told the lender that I will be subdividing the property A as the market went up and it is good time to make some money by selling these lots. 

I applied cash-out refinance in XX/XX/XXXX under primary residence category. The lender " quicken loans '' accepted the loan application under primary residence plan and verified that I am actually living in B. But at the final stages the lender backed off and he converted the loan as investment property loan. This changed the whole equation. I had to bring in additional money and had to pay for an appraisal, had to pay more APR and had to shrink LTV to 75 %. This is a violation of Equal Credit Opportunity Act ( ECOA - XXXX XXXX XXXX ). Due to this change, the whole process delayed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On or about XX/XX/XXXX a purchase of XXXX dollars was made via the internet. not using the internet and only using the card at the store once and then paying it in full i switched to paperless billing. a family member used it for the XXXX dollar purchase and not knowing the paperless bill was going to the spam file. after some investigations on XX/XX/XXXX agreed after spending 3 hours on the phone to pay the XXXX bill they told me that they would debit my ATM card for the original XXXX plus interest and late fees. I agreed and told them to cancel my account and I was done with target. on XX/XX/XXXX i again received another bill stating that i owed XXXX sent out from target XX/XX/XXXX after calling them again and spending 2 hours on the phone they explained that i now owed them over XXXX. 
When i looked at the statement they did not as was explained that they would debit my card the original XXXX and after speaking with the dispute dept said that the target rep made a mistake. when asked if i could just pay as agreed due to their mistake the XXXX they refused and stated that i needed to pay XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Every so often XXXX XXXX XXXX sells they inventory to other agencies or affiliates trying to collect on a 12 year old credit card debt that was previous discharged. I have made several attempts at quashing the companies, but they are too many to continuously having to write to and asked to cease and desist. Listed among their current agencies are : 1. Resurgent Capital Services L.P 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX  5. Resurgent Capital Services PR, LLC 6. XXXX   XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, XXXX 8. XXXX XXXX  10. XXXX XXXX XXXX XXXX. XXXX  , XXXX   12. XXXX XXXX XXXX, XXXX 13. XXXX XXXX XXXX

Company response to consumer: Closed with explanation