vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Tennes see Bank allowed their employees to take a deduction when I withdraw funds.  In  XX/XX/XXXX  I made a withdrawal in the amount of $  XXXX .Someone withdrew the same amount on  XX/XX/XXXX . I made my withdrawal on   XX/XX/XXXX .  On  XX/XX/XXXX  the bank shows the withdrawal as being misc debit. I ap plied for health care with  XXXX   XXXX   XXXX   XXXX  it was taken from me. Others are using this health care. I paid for  XXXX   XXXX  it was taken from me. Everything I apply for is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Made online purchase at XXXX for {$16.00}. Order was canceled due to XXXX automatically applying an outdated shipping address from my account. They acknowledge the error, and they immediately issued a cancellation notice. I have screenshot and email confirmation. <P/>XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$16.00} ) {$16.00} balance has yet to be recovered back to my XXXX XXXX XXXX ( Blackhawk Network ) as of today, XX/XX/XXXX. In detailed conversation with XXXX escalation team, they indicate that their hold on the funds has long since expired ( XX/XX/XXXX ). And so the money should have been recovered back to the available balance of the prepaid card. It has not. I spoke with XXXX ( offshore call center rep for BHN ), who repeated ad nauseum that it takes 30 days for the money to be recovered to the card, and that it is " because of XXXX problem. '' This appears to be nothing more than scapegoating. Since the XXXX hold has expired, there is no outstanding claim against my funds that BHM would be required to cover. This appears to be an attempt to float MY money for as long as possible for BHN 's financial benefit ( float adds up pretty quickly if they 're doing this to thousands and thousands of transactions at a time ). The BHN rep made no offer to assist or resolve, merely repeating over and over that it takes 30 days. The BHN website shows ZERO reference to any hold on the card ( I have a screenshot of the account info, and specifically the " Holds '' section, which is blank ). The BHN rep refused to offer any reasonable explanation as to 1 ) where my money is, or 2 ) why it is not available for my  use ... other than to blame XXXX, and repeating her " 30 days '' script. This is wildly inappropriate behavior for a company to hold consumer funds for such a long period of time -- especially without documentation in our accounts, and without explanation as to the extended period. In 2017, funds availability and holds are routinely resolved same day or next day with every other credit card I hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
An employee with ace cashing changed the last digit of my driver linsence. The check was from XXXX XXXX in the amount of {$5000.00}. The last digit of my linsence is XXXX not XXXX. XXXX XXXX was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number XXXX. The courts shows I was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. The new loan is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: DISCOVER BANK
State: NM

Complaint narrative:
After reviewing my credit report noticed an account collection by XXXX. I contacted the original creditor, Discover and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with Discover to no avail. This is damaging to my credit and preventing me from future financing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Your problem definitions do not cover this issue. I continue to receive calls on my phone from " unknown '' callers or banks I have no business with asking me to call them. When I do call I get " SYNCHRONY '' bank payment line. You go through an extensive automated system and when you enter the extension it says enter the last four digits of your account number. Ok I have about 8 accounts which one- duh? Under the FDCRA they are supposed to identify who they are and the purpose of the call. They do not do any of this. I do NOT answer unknown callers due to spoofs.

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 2017-07-09 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: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
After reviewing my credit report noticed an account collection by midland. I contacted the original creditor, XXXX and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with XXXX to no avail. This is damaging to my credit and preventing me from future financing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This is synchrony Ba nk Wal-Mart credit c ard. They call me about  10  times a day every day ranging from  XXXX    XXXX   to  XXXX    XXXX   I 've asked him numerous times to stop calling me as I was without a job and could not pay until I got a new job and I still continue to call m e 10 tim es a day.

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 2017-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america is taking too long to update the transaction records so i am unable to cash out my XXXX account.

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 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo checking account with an introductory bonus offer of {$250.00} for makin g 10 debi t transactions. The debit transactions were made, but there was no bonus offer to be seen. I feel that I was unfairly misled by Wells Fargo.

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 2017-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.

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 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was discharged  XX/XX/XXXX .  XXXX /DBA  XXXX   XXXX   XXXX  was refinanced on   XX/XX/XXXX , while  I was under wage earner. The new loan is with  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 explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TN

Complaint narrative:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the   XXXX   XXXX   case number  XXXX . The courts shows I wa s discharged XX/XX/XXXX .   XXXX  DBA   XXXX   XXXX   XXXX  was refinanced o n   XX/XX/XXXX ,  whil e I was under wage earner. The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
The employees with First Tennessee Bank made withdrawals each time I made a withdrawal. XXXX XXXX caused this problem when she set up this fraudulent account with XXXX XXXX. XXXX XXXX had given my actual retirement to XXXX XXXX XXXX XXXX in the amount of {$280.00} XXXX. The check from XXXX was made in my name. XXXX XXXX mailed to First Tennessee Bank. Never seen by me or endorsed by me. XXXX XXXX intentions was to set me up. XXXX XXXX notified me of her fraudulent acts. She had me followed, beaten. On XX/XX/XXXX I  made a withdrawal in the amount of {$5000.00} XXXX. A misc debit was done in the amount of {$5400.00} on XX/XX/XXXX. I made a withdrawal in the amount of {$74000.00} on XX/XX/XXXX from XXXX XXXX. First Tennessee Bank employees made a withdrawal for the same amount on XX/XX/XXXX. First Tennessee Bank off set their withdrawal using the bank deposit slips & withdrawal slips. I did n't receive the copy from XXXX until XX/XX/XXXX. XXXX XXXX lead me to believe my stock/wad sold to XXXX XXXX. XXXX XXXX informed me of what XXXX XXXX & XXXX XXXX had done. I learned that XXXX XXXX was working with First Tennessee Bank to take my home. I decided to make an investment with a company. I did a wire transfer on XX/XX/XXXX in the amount of {$25.00} XXXX First Bank XXXX The XXXX was suppose to be deducted from the XXXX. It was separated. First Tennessee Bank used their deposit slips once again to adjust their transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IA

Complaint narrative:
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in 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 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.

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 2017-07-09 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: CORELOGIC INC
State: FL

Complaint narrative:
There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.

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 2017-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The Navient co-signer release process is a scam! I graduated three years ago in 2014 and I am still struggling to get the co-signer release approved after submitting a co-signer release request close to a dozen times over the past two years! Every time, it is another ridiculous excuse!
<P/>
I have paid faithfully on the loan for three years with no late payments. I have XXXX jobs and an excellent credit score which is in the high XXXX XXXX. I have less than {$300.00} in credit card debt and I do n't have a car loan payment and I do n't pay rent! I have even paid more ( close to double ) every month than the required minimum payment.
<P/>
Navient has made false statements about how easy it is to have the co-signer released after a year, but fail to mention in the tiny print that apparently, I have to actually be personally approved for the balance on the loan amount? I have heard EVERY excuse as to WHY they wo n't release the co-signer. It has become a financial burden to my family since my parents are paying astronomically high interest rates on their house equity line since they ca n't refinance because of their debt-ratio specifically linked to the Navient loan balance. My parents have paid ridiculous amounts of interest for the past two years because of Navient 's refusal to release my co-signor.
<P/>
This is going on for over two years and has proved to be a serious financial burden to my parents for apparently no other reason than Navient 's unwarranted refusal and untruthful statements about the requirements needed for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida

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