vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX has a track record of unfair debt collection practices. After changing their credit reporting policies in XX/XX/XXXX they have continued to hide under a blanket of deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hi I fell on hard times recently and my checking account was overdrafted due to my bills being on autopay with my checking account. I've been working towards getting the money to fix it but I keep being charged more and more fees making it almost impossible to make my account positive again. I went to my local huntington bank and talked to them about my account and fixing it and tried to get fees taken off and to stop more fees from coming out. I figured they would help me out since I've never overdrafted before but they only refunded one fee out of 10+ fees. I opted out of their 24hr overdraft program to make sure anymore bills wouldn't try to charge my bank thus resulting in another fee but my gas bill just charged and now I received yet another fee. I canceled all my autopay bills as much as I could remember so it shouldn't happen again. Huntington was my first and only bank account since I was XXXX and I don't want to leave but this is just ridiculous 41 % of my total balance owed as of XX/XX/18 are fees! Nearly half. I know I screwed up to let this even happen but it seems like huntington is trying to make me fall down lower and lower to a point of no return and not help at all it really doesn't make sense to me. If this happened to most of the people I know they just wouldn't pay anything at all and forget about it. But I couldn't do that I just don't understand how they expect someone to pay them back when they keep charging more fees than a lot of ppl can make in a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called Equifax and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to Equifax of the matter and they said they were not reporting to Equifax and informed me that Equifax is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called Equifax on this information and they told me they would file a dispute. 
I received information on the completed dispute from Equifax on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. Equifax is using the 3rd party vendor XXXX who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to Equifax, however they will not contact Equifax since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I do not have an account with diversified consultants I am not liable for this debt with XXXX I am not responsible for the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.

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 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to  Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? 
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.

PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled,  mishandled, and robbery of obsessive nsf funds.

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 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Get multiple daily calls from Portfolio Recovery for debt that I dont owe. Have asked repeatedly to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Ok i was on the Income driven repayment program through Navient that i signed up for last year around mid XX/XX/XXXX. The program is suppose to cover payments for a period of 12 months and you just have to re-apply. I wa approved and required to pay {$0.00} for 12 months. I ended up having to file for bankruptcy to get a fresh start at the end of XX/XX/XXXX. I was still enrolled in the plan and was covered until XX/XX/XXXX. Navient reported me as being 90 days late which hurt my score during this process. They reported this in XX/XX/XXXX which makes no sense because it shows no negative reporting  anywhere else but that month only! They also put my loan into deferment without my consent after reporting me 90 days late. Then only about a month later they took them out of deferment ( again i had no clue all of this was occuring ) and posted i had a bill due XX/XX/XXXX for {$300.00}! I never got an email or call notifying me of  any of these changes! Luckily something told me to check and im glad i did because if i didnt they would said it was a late payment. I called to tell them that this was super unprofessional and the reason people default and tried to get back on my previous plan i was told it takes about 7-10 business days for me to receive the application in the mail ( i tried online and it tells me to call them for some weird reason ) and that when they receive it that takes about 15 business days to process it. Thats crazy because she tried to postpone my payment for only a month until i could apply for the plan which is setting me up to be late! I had to tell her that and make her extend it two months to make sure i could meet the deadline. After the call for some random reason i then received a ton of emails from them with so many different payment dates and different payments im now confused. Why does this company exist!?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: IA

Complaint narrative:
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called XXXX and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to XXXX of the matter and they said they were not reporting to XXXX and informed me that XXXX is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called XXXX on this information and they told me they would file a dispute. 
I received information on the completed dispute from XXXX on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. XXXX is using the 3rd party vendor LexisNexis who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to XXXX, however they will not contact XXXX since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I paid the debt on XX/XX/XXXX and received an email from the company. I am waiting on a Satisfaction of Judgement to be filed. It is now XX/XX/XXXX and I have called several times and left messages each time for the representative XXXX and have not received a call back. I want a satisfaction of judgement to be filed within a reasonable amount of time. I settled with the collector for under what I owed but I paid them so it doesnt matter the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time! 

I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE. 


So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers. 

What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity. 

It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work. 

So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers. 


All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.

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 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I paid this debt off in the amount of XXXX on the XX/XX/XXXX this year. The debt was removed from my credit report on the XX/XX/XXXX of the same month ; today the debt reappeared on my credit report in the amount of XXXX. It has been more than thirty days and this should be reported as paid. I have yet to be sent my initial promissory note, last bill statement, and receipt for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was looking over my Experian credit report to make sure the information was accurate and noticed a ton of inquiries that I did not make. Experian makes it fairly easy to dispute information through its online services which I have used before to dispute inaccurate information and was successful, however the website did not allow me to dispute the hard inquiries online, but instead prompted me to call. I called and spoke with a representative. I told her that I wanted to dispute the inquiries on my credit report. I had already been in touch with some of the companies that made the initial inquiry and was unsuccessful. I relayed this information back to experian to see if i could go ahead and dispute through them and the answer was no. The representative told me that they do not dispute inquiries unless I had a deletion letter from the company that made them. I received absolutely no help from them whatsoever and do not know what to do ... 

The inquires that are in question is XXXX XXXX XXXX XXXX auto ( several inquiries ) XXXX XXXX XXXX XXXX XXXX credit XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage was transferred to a new servicer and the auto draft did not transfer, I have made the payment several times and their system is having problems processing, they have acknowledged that and assured me they would not be charging late charges or negative credit reporting. and this is their issue, I am calling them daily to get this resolved and now there is a negative report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX explaining to them That I am XXXX and my ONLY income is XXXX from Social Security, which is exempt from collections. I also sent my award letter from Social Security. I asked them to remove a collection from my credit file which is causing my credit to be poor. They responded with a counteroffer of reducing the debt 25 % of {$3600.00}. I am on XXXX permanently. I am unable to work for the rest of my life due to poor health. I called on XXXX at XXXX am and explained it to 2 different people. The last man I talked to told me he would look into it and call me back. I have not heard anything from them yet! It is XXXX. They gave me 30 days to respond and when I did they didnt respond back to me. Tomorrow will be 30 days as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
I won my claim and netspend is making up reasons why they are taking so long to return my money. My SSI payment from XX/XX/2018 they said 5 to 10 business days that's a lie .I want my money.

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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
A hard pull showed up on my Equifax credit report that I didn't recognize from XX/XX/2017. The company 's name is XXXX/XXXX. It shows up as a personal loan co-signer category. I did not try to co-sign anything inXX/XX/2017

Company response to consumer: Closed with explanation