vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2018 a Western Union Money order was purchased from XXXX in the amount of {$1200.00}. The money order was written out to " XXXX XXXX at XXXX XXXX ''. On XX/XX/2018 the money order were placed in a Bright Yellow envelope, the envelope was sealed and I wrote my name, address and the complex name and address on the envelope. On XX/XX/2018 I called went online to check the status of my work order and that's when I realized my account was showing a past due balance. That same morning I called the complex and spoke to a XXXX. She informed me the money order were not received. After dealing with her unprofessional behavior I requested to speak to a manager. She refused to give me the managers name, email address or contact information. I reached out to a sister property and was able to obtain the contact information for the corporate office. I reached out to the corporate office requesting a call back, but they refused to return my call. 

I reached out to Western Union to request a stop payment. A case number was given to me. I was also advised to mail the receipts to Western Union so they could reissue the money orders to me. All of this took place on XX/XX/2018. I mailed copies of the receipts to Western Union. On XX/XX/2018 I called to confirm if the receipts were received. Agent advised me that I would need to mail the originals. The originals were mailed on XX/XX/2018 through certified mail. On XX/XX/2018 I called Western Union to see if they received the originals and the agent stated they were never received. I also reached out to my bank for some assistance with this matter and Western Union has been giving them the run around as well. 

As per the the product and tracking report from the USPS it shows XXXX XXXX received and signed for the documents on XX/XX/2018. I have been calling, mailing, emailing and faxing the same documents to Western Union and have not been able to get a resolution. I am 4 days away from being homeless because an eviction has already been processed and the court date has already passed. Can you please assist me in getting a refund? A police report has been filed. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: NJ

Complaint narrative:
I submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I closed my Bank of America checking account in early XX/XX/2018. The final balance was a little less than {$90.00}. I requested for the money in that account to be applied to the balance on my credit card that I have with BofA. When it was not applied a few weeks later I called to ask what had happened. Customer service told me that a check had been sent out to my address. Well, I asked for it to be applied to my Mastercard because I moved. So I did not have access to that address. It is now almost 3 months later and I have not received the money. Customer service keeps giving me the run around and saying they are sending out new checks to my new address but I never receive anything.

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 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2018 an auto debit came out of my account. On the same day before end of business I submitted a deposit to keep from overdrawing. ( I am supposed to have overdraft protection ). I noticed that on the XX/XX/XXXXI still received a overdraft charge ... ... In the past the bank charged me fees that I had resolved and I had to submit screen shots of how they post charges ... ... I requested for the fee to be waived so I can close the account. They would not allow it. Though I satisfied the overdraft before the transaction posted. They told me that if I satisfied the charge before by today end of business that I would be able to close the account. But when I tried I looked in on my account and they had charged me another fee ... my account was overdrawn by {$2.00} then for XXXX then XXXX. I requested a fee reversal for the new fee and they refused .... all of the issues that I have associated with this account have all come mis information from the staff and supervisors at this bank. But they keep trying to roll me in overdraft fees so that I can keep paying them. Im quite sick of it. I just want the account zerod out and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I filed to get a ibr with navent and XXXX both service federal loans. Each are charging 15 %  of my income which together is 30 % of my income. My take home for a single with XXXX dependants is XXXX per month. How Im i to afford XXXX total per month to the federal government per month. Im already getting XXXX  benifits because all my current income is going to bills. Do I also need to apply for money assistance job and family services to offset what the federal are taking? The cost of living is already XXXX a month in bills so I can't live independent. Are they trying to make us homeless?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: DC

Complaint narrative:
I have contacted XXXX XXXX, Experian and XXXX on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will 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 2018-08-28 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had accounts removed XX/XX/2017 and I take a look at my report and it shows closed with a new date ( which is illegal to add to my report with a new date ) that is re-aged. Capital One XXXX has open XX/XX/2017 ( which is incorrect and illegal at the same time ) I was not notified within 5 days of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX   SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. 

I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. 

I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. 

I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. 

I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. 

I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. 

I asked for a Manager and the manager opened a ticket and told me they would get back with me. 

I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. 

I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. 

Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. 

After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. 


I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.

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 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
Investment Retrievers faxed my employer a request for information with their identity letterhead that my Employer inquired about and I could not explain because I was not aware of the company. My employer could easily look up the company and see they are a debt collection agency. When I called the company to let them know this was not acceptable and could effect my employment, the Rep I spoke with told me they were attempting to collect a debt for XXXX XXXX XXXX XXXX and if I did not plan to work out payment they would recommend my case to their legal department to file a lawsuit. I have the fax that was sent my employer if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am really struggling to pay back any of my student loans. I think when I started they were around XXXX now they are approaching XXXX. I will never be able to pay them back. I was not able to find a high paying job like they promised. I need help eliminating all of my student debt. It is hurting me getting car and house loans. Is there a way you can help me eliminate this debt completely? I am really struggling. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: DC

Complaint narrative:
I have contacted XXXX XXXX, XXXX and Equifax on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX and XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from PR and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as Portfolio Recovery. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: FL

Complaint narrative:
In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Equifax and on XX/XX/XXXX I got a notification from XXXX XXXX stating it was taken off. A few days later I received 2 updated credit reports one with the bankruptcy still on and another still on. A week later it was put back on. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgements on a credit report. So I wrote to the court address on my file and it was returned as no such address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: CL Holdings LLC
State: IL

Complaint narrative:
An account was opened in my name with XXXX XXXX. I contacted the and they had no information. XXXX XXXX purchased the debt and is now reporting in my credit. It is 7.5 years ago. It was taken of my credit because it wasnt mine and also was passed the 7  years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I want to bring your awareness to an issue I encountered on the morning of Saturday XX/XX/XXXX. I have a new Nordstrom credit card account, the first bill for which was due on or before XX/XX/XXXX. I logged into my account to pay my bill in full and the amount due was more than expected. However, there were no fees or interest charges noted ( nor applicable as it was first month 's bill and not late ). After speaking with customer service rep, she told me that my payment due ***was*** actually less than noted. After some prodding she told me that Nordstrom adds a {$25.00} late fee to all online accounts when the payment is due on a weekend, in anticipation of the bill not being paid on time. Yet there was not a single notation of a late charge, fees, interest, etc. on my online account - it just shows payment due, with the secret late fee incorporated into the amount due, and the due date. I would never have known this if I had not called customer service. I assure you, she did not waive a late fee. Yet, had I paid online, I would have had no choice to pay a late fee that wasn't even disclosed. I have to assume Nordstrom is making bank off customers just assuming that they are paying their amount due on time when actually they are paying their amount due + an undisclosed and irrelevant late fee of {$25.00}. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
Good morning. 

I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. 

I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: SC

Complaint narrative:
After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I recieved calls froma company called CBE Group attempting to collect a debt from XXXX XXXX. After reviewing my credit report this appears to have been removed and is showing back up on my credit reports. I asked that they no longer call my phone attempting to collect a debt that is not on my credit report.

Company response to consumer: Closed with explanation