vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
XX/XX/2019, the money was put on my card, via tax refund advance. The same night I used the card for an amount of {$64.00} and some odd cents. The next morning on XX/XX/2019, {$750.00}, {$350.00}, {$1000.00}, and finally {$400.00} was all taken from the card. All of these transactions took place between XXXX and XXXX. I was made aware of these transactions through my email. The email says I sent these four amount s to four different people. So I called the card company at XXXX on XX/XX/2019, they locked the card. The same morning I called card protection services at XXXX XXXX, they cancelled the card, issued a new card, and had me change the security features of my account. They then put in a transaction dispute for each of the four transactions. Today, XX/XX/2019 at XXXX, I got an email from American Express Serve saying that my disputes were declined and the {$2500.00} wasn't going to be credited back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This is a follow-up to our initial complaint # XXXX submitted on XX/XX/2018. The response from Honda Financial Services just further proves how corrupt and incompetent that organization is, and someone there needs to go to jail. The matter at hand pertains to a fraudulent {$350.00} that Honda has been trying to extort from us hardworking minorities. This seems to be pure racism by them. Their response to complaint # XXXX is that they charged us {$350.00} because of a turn-in fee. HOGWASH! Under the terms of the contract, the fee is waived if the customer subsequently purchases or leases another Honda. When we returned our XXXX XXXX XXXX to the XXXX XXXX dealership in XXXX, FL, we advised the dealership that we would be purchasing another Honda but that it may be a bit longer than 30 days due to an upcoming move. The Honda representative at the XXXX dealership said that would be fine, and that although 30 days is generally the time parameters they provide, Honda would happily extend that to the end of the year for us. My husband, XXXX XXXX, and I, subsequently purchased a XXXX XXXX XXXX in Connecticut on XX/XX/2018 ( account # XXXX ) and adhered to the end of the year parameter Honda provided to us. For them to now attempt to falsely claim their attempt to extort {$350.00} from us is due to failure to comply with the turn-in parameters when we in fact complied with the very turn-in parameter they told us would be fine by them is ridiculous. Honda Financial is corrupt and this is an act of racism. Shame on them, our society should not tolerate such racist behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open. 

After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed. 

On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed. 

Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
This was back a while but we never knew about this chance to be heard. Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. They would not let me decide where my payment was going. On several occasions we had spoken to numerous reps to get information and we would just get the runaround and be passed to the next as if they didn't know what we were talking about. Their whole system was wishy washy and confusing and we know we were not the only ones who were confused from this company. We were extremely angry and it stressed us out. Our money owed would change unexpectedly.This finally stopped but had been going on for 5 years prior to this. 

On another note, Now we have finally paid off two private  loans. So, after doing so, now our Interest Rate went up. Not sure why this is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: MA

Complaint narrative:
My mother was called on her landline number and they were asking her where I was and that they are debt collectors. Clearly  that is not my mothers business and it was inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
Commonwealth Finance has put a mark on behalf of XXXX XXXX XXXX XXXX twice, once in XX/XX/2018 and again in XX/XX/2018. I wrote a debt validation letter on XX/XX/2018 & mailed it via certified mail requesting that Commonwealth Finance provide me with a copy of all medical records, including records that were signed by me giving consent for treatment at any medical facility, whether it be a hospital, lab or doctors office to my home address and demanded that they cease and desist calling XXXX. Commonwealth removed the mark on my credit report and returned the signed certified mail receipt. They did not respond to my request to produce these documents. Instead they sent a letter stating that I needed to pay the debt. I checked my credit report in XX/XX/2018 and saw that Commonwealth Finance had once again put their mark on my credit report. They have not sent a letter demanding payment, they have continued to ignore the previous request in XX/XX/2018 to validate the debt that they claim is owed to them. I never gave them consent to treat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: MS

Complaint narrative:
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2019-01-16 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: NY

Complaint narrative:
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: DC

Complaint narrative:
I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
The Pentagon Federal Credit Union obtained a copy of my credit repot without my consent. 

When I called PENFED to find out what kind of assistance was being offered for federal employees your employee XXXX at XXXX XXXX told me that you were offering a furlough loan with 0 % APR and no credit check that is why I requested the Furlough Loan on the below email. 

I never authorized PENFED to obtain a copy of my credit. The only reason I requested the loan was based on the information that XXXX provided. Otherwise I would have used XXXX or XXXX XXXX XXXX XXXX XXXX. I told XXXX that my direct deposit was going to XXXX not penfed and she told me that I would need to provide a copy of my XXXX. 

Also XXXX told me that my wife would qualify for the loan even though she was not a member yet. 

My wife submitted an application for membership and opened an account because of this.

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
YOUR COMPLAINT I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: MA

Complaint narrative:
Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. Thank you.

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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: CA

Complaint narrative:
I've sent three emails with no response on XX/XX/19, XX/XX/19 and XX/XX/19. Company reported information for employment back ground past states statute of limitations causing me hardship..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have received robocalls on my home and more recently cell phone at least 3 or 4 times a day, from a rotating set of numbers. This includes, but is not limited to : ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) -XXXX and many many many others. It appears the culprit is a company called " Portfolio Recovery, '' a debt collection company. Some of these lines use caller ID spoofing, or block it entirely so it's blank or just the phone number itself.

Aside from a mortgage, which is paid on time, I have no debt. They are claiming I have some, they're implying they will take action against me to collect and making vague threats.

Additionally, my phone numbers were added to the national " Do Not Call '' registry.

They are persistent and annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I called three times and was on hold for ~20 minutes each. The first time I did not have the information available to complete the update, the next time the line dropped when the agent was about to finally help, and the 3rd time the agent hung up shortly after answering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a XXXX  account that originally incorrectly misstated I had a late payment. XXXX   made the mistake, and after I talked with them, they have since removed the late payment from THEIR records on XX/XX/XXXX.

I called XXXX  for the sixth time since then on Friday, XX/XX/XXXX, and they confirmed again they were no longer are reporting any late payments. I subsequently placed another dispute, my seventh, with Experian that I didn't have this late payment with XXXX. I just received the results of this dispute, on XX/XX/XXXX, that Experian are claiming that the original information is accurate and they are not removing the late payment. Basically they are still not reporting the same results as the creditor is.

As you can see from the attachment, dated all the way back on XX/XX/XXXX, XXXX  admitted their mistake and have stated that there should not have been a late payment. This late payment should be removed in Experian records, but for some unforseen reason they refuse to. I have exercised every other Avenue at my disposal to rectify this wrong, and I have not been able to.

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