vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My phone/wallet were stolen at a concert and my phone was used to order XXXX through my XXXX. I disputed the charges with XXXX and they found it was indeed fraud and refunded my money. The original charges were on XX/XX/XXXX and the overdraft fees were applied on XX/XX/XXXX. The XXXX charges put my account into the negative and I was given 5 separate NSF charges of {$38.00}. XX/XX/XXXX XXXX resolved my complaint and refunded the charges because they found it was fraud. I explained to my bank, BBVA Compass, what happened but they said because I had already disputed the charges with XXXX and they had already reimbursed the money, they could not put in a dispute for the overdraft fee 's. They are saying that it is XXXX 's responsibility to reimburse the charges which doesn't make any sense because it wasn't XXXX that charged me the fees. XXXX provided me with a letter for BBVA Compass explaining that the charges were fraudulent " This letter is to confirm that they did not authorize the transactions that caused the NSF fees. ". I have spoken to 5 separate managers at BBVA and even had a conference call between XXXX and my bank during which the representative from BBVA ended up just hanging up on us. XXXX is sending me a copy of the recorded call so I have evidence. After nearly 4 hours on the phone they finally gave me a " goodwill credit '' for 3 of the charges but I have explained to them that they are literally profiting from Fraud. I have been with them for 10 years! I honestly do not know what I could have done differently but I am now out {$190.00} and they can not get away with this! Please look into this and let me know if you need ANYTHING from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I was falling behind on my XXXX XXXX/XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XX/XX/XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XX/XX/XXXX as shown on credit report from XX/XX/XXXX ( SEE 2 ). Also the XX/XX/XXXX date is evidenced by letter from XXXX XXXX XXXX (  SEE 3 ). The outdated XXXX XXXX debt from XX/XX/XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX XXXX XXXX ( SEE 4 ), and XXXX XXXX ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX did not issue a new credit card to me after the XX/XX/XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have tried calling Sallie Mae to make over the phone payments but they say they can't take partial payments and that they don't have my account anymore but can't tell me who has it now. They want me to pay {$420.00} a month when I am unemployed due to having XXXX kids at home and the cost of daycare. I am in {$30000.00} debt because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I bought a XX/XX/2012 XXXX XXXX from XXXX and it turns out that it was a lemon. The transmission is slipping and my car shudders. The more I look into the issue the more it seems like XXXX should have told me that this would be an issue. Also I am being charged >24 % interest on the vehicle, is that legal? I purchased the car alone and I feel like I was taken advantage of.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several requests to TransUnion disputing the personal information and they refuse to delete inaccurate information. The addresses they are reporting are not mine. Some of the addresses listed ARE NOT EVEN VALID ADDRESSES, which is proof that they are not investigating this information. A quick USPS search will show that some of the addresses do not even exist! The only valid address on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Delete the incorrect AND invalid addresses and provide me with a copy of my updated credit report reflecting the CORRECT 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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Received letter, dated XX/XX/XXXX, from American Express Legal stating that I owed {$10000.00}, per agreement signed XX/XX/XXXX. I have repeatedly tried to get in contact with their attorney and they say there is a stipulation from XX/XX/XXXX, stating that I would pay {$500.00} a month. I never received this stipulation and never received correspondence from the attorney. I have been making monthly payments on the American Express website and as of the date of the letter, the balance on the account was {$9000.00}. When I spoke to two different representatives at American Express Legal, they both went back and forth on the amount of money that I owed. They both tried to say I owed {$10000.00} at different points in the conversation. That's also the amount listed in the letter. I made a {$550.00} payment today in good faith to try to show that I am working to pay down my debt. The current amount due is {$8500.00}. My understanding is that American Express can not collect a debt larger than what I, as the consumer, owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
On the XX/XX/2018 I withdrew XXXX from a company called Coinbase. I was promised the funds in 2-5 working days. After a week I contacted them and they had said the transfer was complete and it was my banks fault. After many calls to my bank I found out that Coinbase used XXXX as a middle bank to transfer it to mine and they forgot to tell XXXX where the money was going. After numerous emails to their support team Coinbase have left me in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Windham Professionals, Inc.
State: MI

Complaint narrative:
I have refinanced all my student loans, on all three credit report there is a number of duplicate accounts for the same student loans that are not being recognized as the same or updated as the same, they are more then 7 years old and only one of each shows paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A third party debt collector Portfolio Recovery purchased two collection accounts and is now trying to have me pay them for debts that were not legally obtained. Now I am being harassed by multiple phone calls to my house as well as my cell phone. I have sent a debt validation certified letter for both accounts directly to Portfolio Recovery on XX/XX/XXXX. The certified letters were available for them to pick up XX/XX/XXXX @ XXXX. As of today XX/XX/XXXX they have chosen not to pick up the letters all the while continuing to call my home and cell from different phone numbers. 
One of the amounts that have been charged off is for {$1200.00} and the other is for {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018, I applied for a Lowe 's credit card in order to take advantage of the finance option the store offered so that I may remodel my home bathrooms. However, during the application process for XXXX XXXX, a key code was provided. The store associate contacted XXXX XXXX and the associate whom we interacted with advised my application had timed out on their end and that I should reapply and the application would be overridden. The application was processed literally a minute or two before the call. Again, I reapplied as instructed, but the application declined. We proceeded to contact XXXX XXXX to inquire and were told the application was declined. I personally contacted XXXX XXXX as the receipt from Lowe 's stated my application was submitted for further review. After nearly over an hour on the phone, I was told my various associates and Contact Center supervisors that my application is at the " main office '' pending further review and that I would hear back from them in 10 to 30 days. I am unable to initiate my project because I don't have a decision from XXXX XXXX and fearing having to use an alternate payment method after being approved.

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 2018-05-11 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: NJ

Complaint narrative:
In XX/XX/XXXX I was falling behind on my XXXX XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XXXX XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.

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 2018-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
sent letter to transunion onXX/XX/XXXXto remove a bankrupcty from my credit report and ant thing included in bankrupcty telling them that the courts do not report to credit agencies as in the fair credit act the in formation they are reporting as to be verified threw the courts and not third part vendor im not the only XXXX XXXX i also enclosed a letter with my letter that i sent to the bankrupcty court on XX/XX/XXXXand got feed back from the courts in which the court clerk sent my original letter back to me stamp with the bankrupcty seal to confirm my statement but they refused to correct my credit reoprt

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 2018-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX  using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: SC

Complaint narrative:
I have been calling for the last couple months as well as sending letters to get this item from XXXX off of my credit report. for 1 I was XXXX years old when this account was established. 2 I have never signed anything showing ownership of this account. 3 I have tried numerous times to get this taken off my credit report and this company has done nothing to try and get this resolved. 

Dates Ive contacted the company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Had this account since XXXX and did not miss one payment ... ... I explained to the company Synchrony Bank in XXXX that I ran into financial difficulties this month and would try to make payment with I did but not enough funds were available in my account. 
I then told Synchrony I would double up next month XXXX which I did but funds again were not available on XX/XX/XXXX when they processed but were available on XX/XX/XXXX which they again processed and showed receiving my double payment. I then received letter from Synchrony which I will attach closing my account due to number of dishonored payments on my account. I called Synchrony and explained again but to no avail. I am more concerned with how this is going to affect my credit score more than anything else.

Please help!

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 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Over the last 90 days I have disputed multiple inaccurate inquiries on my Transunion credit report for credit items that I did not apply for.

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