vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: Netspend Corporation
State: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX on XX/XX/XXXX I went to the XX/XX/11 in XXXX XXXX to get my rent money off my Netspend card. I swiped my card and there was no money on the card. I then called Netspend and was told that they had never received it. I then called Ssi and was told that they had sent the money to Netspend. I called Netspend back and they said the money has not been posted. I then called my card and was told that my available balance was XXXX. I then called Netspend back and they said it was sent to another account. I then asked the lady if the money can be transferred to my account. She told me that it couldn't be. So I asked to speak to a supervisor and she told me that my card had been cancelled and they would have to mail me another one. By the time I recieved the new card my check for the XXXX of XXXX had been deposited in that account my other check was in. I then tried to activate the new card and couldn't. I called Netspend back and they told me that they would have to mail me another one. By the time I recieved the new card it was XXXX the XXXX and another check was put in that account and I was still not able to activate it either. Now my landlord has put me out and I'm on the streets living in XXXX XXXX XXXX in a tent. I'm a XXXXyear old man have never lived in the streets. I have had all my things taken away from me tent and all. Everytime I called Netspend and asked to speak to a supervisor they hung up on me. It was until XXXX the XXXX when I recieved a call from Netspend they asked me for my address I told them all I have is a mailing address they said give it to them and they would mail me a check. It was on XXXX the XXXX when I recieved a check for XXXX. I then called Netspend and asked where was the rest of my money. The other XXXX they said in the mail I didn't receive any more money until around XXXX the XXXX after I called Consumers financial services. One hour later I recieved a call from Netspend they asked me if I had a active Netspend card I said yes the lady asked for the numbers on the front of the cardi gave them to her she then put my XXXX on the card. She asked me to check the card and see if the money was available. I did and it was I then asked her what about my housing she then hung up on me.

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 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Emergency room visit year XX/XX/XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/XXXX so they added it to my report as new in XX/XX/XXXX in XX/XX/XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt

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 2019-03-22 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: TX

Complaint narrative:
To Whom it may concern : I am in a house process and I have request to Equifax, even fax proof to remove a collection company reporting on my credit report. Equifax has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from Equifax. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have tried to Discuss with NAVIENT my financial situation to resolve my high payments ... they tell me they will only accept a specific payment ... I make between 1100-1300 month ... by the time I pay my living expenses and NAVIENT ... I am left with nothing. I only get paid 1 time a month so stretching my pay from payday to payday is hard. I offered them a {$200.00} dollar per month payment and they said it was not enough. They want to take out {$400.00} per month and by the time I pay my rent more than half my check is gone. My XXXX year old father is on my loans as a co-signer and lives on a fixed income, has major health problems and lives in a home with many problems ... if I can't pay he gets harassed by NAVIENT. I am NOT unwilling to pay but I can only make small payments at this time. Is there anything that can be done? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial
State: NJ

Complaint narrative:
Good afternoon, I have XXXX kids I put thought college, currently my son is still in XXXX, unfortuately my husband passed away in XX/XX/2010. So a few years later i was contacted by Ameri Tech financial and i applied it sounded good and it helped me alot. they took {$99.00} every month out of my checking. But now i'm reading they are out of business and any money i paid has not applied to the student loans. Now I have paid over 2 years worth payments. i would like to file a claim or be advised how to move forward. 

thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/18, my Mother ; XXXX XXXX, XXXX XXXX and contacted the phone number that was given. She spoke to an " XXXX '' rep regarding a refund that she had failed to receive from a return. The individual from " XXXX '' asked my Mother to check her bank account to see if her refund had gone through. During the phone call, the other party accessed my Mother 's bank account and wire transferred {$100000.00} from her checking account to XXXX, XXXX My Mother contacted the Fraud Dept. at Chase Bank the same day and filed a report. 

On XX/XX/18, all accounts were closed, new accounts were opened, a new router was purchased, a cell phone, the home phone number was changed, and a new computer was purchased. Additionally, a police report was filed with the XXXX County Sheriff 's Department, an FBI report was filed via XXXX, a report was filed with the Federal Trade Commission , and the Secret Service and the FBI were contacted. 

Once the police report was completed, a fraud report was filed with Chase Bank. In addition to the {$100000.00} being fraudulently transferred, {$400.00} in XXXX charges were made against the account. Chase Bank reversed the XXXX charges. Yet, are refusing to refund the {$100000.00}. 

My parents receive phone calls from Chase Bank when they are out of town and attempt to purchase groceries. Yet, never were notified by Chase when an unusual, and unauthorized wire transfer went through for {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Emergency room visit year XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XXXX so they added it to my report as new in XX/XX/XXXX in XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.

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 2019-03-22 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: NY

Complaint narrative:
I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.

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 2019-03-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MD

Complaint narrative:
On XX/XX/2019, I requested a new payment schedule change from my borrower, Great Lakes. The change was approved, and I entered my new payment schedule. However, after, I noticed that my " paid ahead '' status was now gone. Upon contacting my borrower, I was informed that a change in payment schedule results in a forfeiture of any " paid ahead status. '' Nowhere during the process of requesting this change online was this mentioned. I requested documentation of where I might find such information on two different occasions ; once on XX/XX/XXXX, again on XX/XX/XXXX, and finally on XX/XX/XXXX. Today, on XX/XX/XXXX, I received the following response : Thank you for your patience. 

I apologize for any frustration this may have caused. After review of our website, I too was unable to find any information regarding the paid ahead status during repayment changes. A request has been submitted to update the website to provide more information regarding the effects on your paid ahead status during repayment changes. Thank you for bringing this to our attention! 

To rectify this situation, we have reinstated your previous payment schedule as requested and you can continue to take advantage of your paid ahead status. You are currently paid ahead {$1500.00}. As a reminder your next auto pay withdrawal is scheduled for XX/XX/2019 in the amount of {$260.00}. 

Please note that you can view all of your account details online at any time by using the following steps : Log in to your account at our website, mygreatlakes.org. 

Click on My Accounts in the Navigation Bar at the top of the page. 

Select Account Summary from the drop down-list. 

Click the Account and Loan Details link in the Account Summary section. 

Click on Choose an Account to view the individual account specifics. 

You can also order a full account statement using these steps : Click My Accounts in the Navigation Bar. 

Select Student Loan Obligation Statement from the drop-down list. 

Click Printer-friendly View. 

If you have any outstanding questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Supervisor Great Lakes Educational Loan Services , Inc . 
( XXXX ) XXXX or ( XXXX ) XXXX TTY XXXX Monday Friday XXXX XXXX  XXXX XXXX Central time Though the issue has been rectified- I am concerned as to how this practice has adversely affected other borrowers, and the procedures/ policies Great Lakes has followed in revoking other borrowers ' " paid ahead '' statuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: FL

Complaint narrative:
XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.

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 2019-03-22 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: TX

Complaint narrative:
To Whom it may concern : I am in a house process and I have request to XXXX, even fax proof to remove a collection company reporting on my credit report. XXXX  has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from XXXX. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.

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 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of  {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt

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 2019-03-22 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and Transworld. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
At XX/XX/2018 I purchased an item from XXXX store for {$39.00}. Counter clerk said payment with XXXX credit card has been declined so I used XXXX XXXX XXXX card. Few days later I returned an item to the store and got my refund into XXXX XXXX XXXX account at XX/XX/2018. 
Unfortunately some time later I got a call form XXXX Customer Service noticing me that late payment fee will be charged if I will not pay my balance from XXXX credit card. I disagreed to do that and went to XXXX XXXX store for explanation. The only help I could get there was a phone call to XXXX customer service. They remove late fee penalty but never take back item price from my balance even I was asking for that. 
Since that I had two another similar calls with XXXX XXXX Customer Service, every time they are removing the late fee but not item charged price. Recently I got on paper XXXX Account statement showing on my balance price of never purchased item with this card and multiplied fees for late payment. Of course my credit score has been also harm b/c of this situation.

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 2019-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
CITI Bank. Tried to open a new savings account : Accelerate 2.36 %. Have made over 30 phone calls. Would not accept wire transfers in good faith and bounced it two times and charged me {$100.00} for that. Will not communicate effectively about how to resolve wire transfers into CITI Bank savings. Now will not transfer out the {$10000.00} that is in there by TRANSFER from my Credit union, except {$2000.00} at a time for the next 5 weeks. Another loss of money. Further, a tremendous loss in interest from my local credit union because of CITI Bank 's problems. Never can help the customer.

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 2019-03-22 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: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I have received letters from 2 different credit collection agencies ( the most recent from Phoenix Financial Services for XXXX XXXX XXXX XXXX, XXXX, for a charge of {$710.00} from XX/XX/XXXX from XXXX of XXXX XXXX XXXX . At the time I had Medicaid and I have spoken to medicaid several times and each time they tell me the responsibility for this charge is NOT mine and they should send the bill to them for payment. They said they never received the original bill and no one can produce that original bill for me. 

It is still showing as my responsibility on my credit report. The collection company is Phoenix Financial Services, LLC - XXXX XXXX XXXX - XXXX, IN XXXX. - PH # XXXX, I am attaching proof from Medicaid that I had Medicaid on XX/XX/XXXX. I spoke with Phoenix on XX/XX/XXXX and they said they were sending this bill to Medicaid. As of today it is still showing up on my credit report. This charge is not my responsibility and I need it off my credit report so I can apply for an apartment in XXXX. I appreciate your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation