vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DC

Complaint narrative:
Cashnet USA has been overcharging me for the past year since I registered with them to receive an initial payday loan of {$1000.00}. I attempted to settle payments supposedly owed on my account because I was charged at over 150 % the initial interest rate I was initially informed I would be charged. I took out a loan of only {$1000.00} for which I do not believe I initially qualified. I received multiple excessive phone calls and messages claiming that I owed different amounts. I was forced into a final settlement of {$1300.00} and in addition, I was emailed two separate charges of {$210.00} on XX/XX/XXXX and {$350.00} on XX/XX/XXXX. This was in addition to being charged {$350.00} repeatedly since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, my house was caught in a fire and my insurance company ( XXXX  XXXX  XXXX XXXX XXXX ) came out and assess the damage and agreed to pay for all the repairs. The payment came out under my name ( the owner ) and the bank name XXXX XXXX XXXX XXXX. while the work was in process the bank of XXXX transfer the service to the XXXX XXXX XXXX from there ; the service was transferred to Fay servicing LLC. While the work was in progress, the bank Fay servicing LLC sent out an inspector to supervise the work and it was XXXX percent completed at that time and on XX/XX/XXXX, the bank again sent out another inspector XXXX XXXX at this point the work was XXXX XXXX percent completed. Since the work was completed I was expecting that the remaining balance in the amount of {$11000.00} would have been paid off. After waiting for a long time or getting no response or receive the payment, I made a call to Fay servicing LLC to make a request for the payment to be made. Up until this date they did not respond or show any sign that they were going to pay the balance even though they received the money from my insurance company. Due to the fact that they did not want to talk to me after I called them so many times about the payment, therefore, they leave me no choice except to file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX BKPT CT IN XXXX XXXX not mine XXXX BKPT CT IN XXXX XXXX not mine

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT 1XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

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 2020-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
IDENTITY THEFT VICTIM. FTC REPORT NUMBER XXXX. Bank of America was told via a phone call on XX/XX/19 i received from their rep XXXX to verify if i had opened 2 online bank accounts. I told them no! I have sent all documents, police reports, demanded over 9 times written, verbal, phone calls from them to CLOSE immediately these fraudulent accounts that were opened with my STOLEN INFORMATION! Not only have they not closed these fraudulent accounts but they are now Charging FEES TO THESE FRAUDULENT ACCOUNTS! I have filed numerous complaints with you the CFPB, federal reserve, FTC, office of the comptroller and still bank of America continues to operate illegally! CLOSE THESE FRAUDULENT ACCOUNTS NOW. All other fraudulent accounts concerning this identity theft have been closed and cleared. Bank of America apparently is the only one who cant seem to follow 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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
For some reason, one of my active accounts is no longer showing on my report, which affects my credit score. XXXX XXXX with a credit limit of {$5000.00} is only showing on XXXX. Please put it back on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thrive National Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I ordered some supplements from XXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XX/XX/XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a billing statement with an incorrect amount due of {$1100.00} that did not reflect a payment of {$5000.00} made on XX/XX/XXXX. 

I spoke with a Nelnet representative on XX/XX/XXXX who admitted a " system error '' and provided two different Nelnet email addresses for me to raise the issue and seek an official explanation. She also submitted an internal complaint. Seven days and four business days later and I have not received a reply. I called today, XX/XX/XXXX, and spoke with a Nelnet manager who verbally confirmed that the billing statement did not reflect my payment of $ XXXX, but he refused to send any written correction or clarification. He stated that he was simply " not able to do so at this moment '' without providing any justification. 

Because the inaccurate billing statement was sent a full three and a half months after payment, I fear that this payment and perhaps others are being misapplied and/or not being retroactively posted to reflect accurate principal and interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MA

Complaint narrative:
My Loan servicer Navient failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Bass & Associates, P.C., Attorneys at Law
State: DC

Complaint narrative:
I called Bass and Associates in XX/XX/XXXX and XX/XX/XXXX. The company claim to have my student loan debt which has been defaulted or for a overpayment. Currently my account is in good standing with XXXX XXXX. I am in my 2nd year of college and shouldn't be paying student debt until XX/XX/XXXX. I have been calling but no response from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020, I deposited a check of {$46000.00} into a proprietary Bank of America ATM near my home in Georgia. I received a notice at the ATM that a hold was being placed due to " check is a type which may be returned '' or something of that nature. This is a transaction account ( checking ), so it is subject to funds availability under Reg. CC. Reg. CC has 5 different exception holds besides a new account hold, which this is not a new account, as follows : * Large Deposit Hold * Redeposited Check Hold * Repeated Overdraft Hold * Reasonable Doubt of Collectibility Hold * Emergency Conditions Hold The Large Deposit Hold was not used, as that would have required {$5000.00} of the check to be available by the 2nd Business Day after deposit. Instead, the complete amount is being held until XX/XX/2020. It would seem that Bank of America used the " Reasonable Doubt of Collectibility Hold, '' but this language was not used on their notice. 

I called the Bank and spoke with them and they stated they needed to " validate the funds. '' Validating the funds is not an allowed exception under Reg. CC. Also, the check clearly states that it is for refinance proceeds and comes from a Settlement company. I don't understand why such a check would cause " reasonable doubt '' for collection. Bank of America would not do anything differently after I spoke with them. In essence, I am complaining that they violated Reg. CC in a couple of ways : ( 1 ) They did not cite an appropriately worded allowed reason for the hold, and ( 2 ) the reason they seem to be relying on is not logical.

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 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I made a direct deposit into my landlords account from my checking account. This money was for my rent at the time ( {$1700.00} ) XXXX XXXX XXXX XXXX dollars. 
My landlord contacted me a few days later to tell me that the money was rejected for insufficient funds. This was not true. The money was indeed in the bank, and too, it was processed by Chase Bank. 

I have been in contact with my bank ( XXXX ) numerous times over the course of these past few months. 
After reviewing my case XXXX determined that the claim of insufficient funds was incorrect, that that would reflect on my account, which it does not. 

XXXX opened an investigation with Chase Bank but Chase refuse to send the money back to me, nor was my landlord given the monies. 
XXXX sent me a letter after me calling them time and time again and sending them a letter wanting to know what was happening. 
They are leaving me to handle the situation. They told me I need to go to Chase Bank to try and resolve this issue, as they attempted to retrieve the monies but were denied. 
It is beyond belief that a bank steals my rent money and refuses to give it back, then I am expected to go them to ask for my money back. 

My bank ( XXXX XXXX can do nothing more at this point. They said that the letter should be enough proof to show that I had the money, Chase bank took it and are denying the return. I am at my wits end and have contacted every agency that I have been directed to by the Attorney Generals Office.

The last being the Office of the Comptroller of the Currency directed me back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
tried to resolve but nothing happened this company did not want to listen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$1100.00} for the purchase of a computer by the XXXX XXXX ( XXXX XXXX ). I subsequently returned the computer for a full refund. On XX/XX/XXXX I was credited an incorrect amount of {$1100.00} by my credit card company and bank, U S Bank. I spoke with the merchant on the morning of XX/XX/XXXX, and they advised me that they had refunded the entire amount of {$1100.00}. US Bank has been unable to resolve this issue. I am requesting that U S Bank Credit Card Services issue a corrected refund in the amount of {$1100.00}. U S Bank has not been able to remedy this situation after forty-five minutes spent on the phone with their customer service department. I appreciate your assistance.

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 2020-01-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-23 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: FL

Complaint narrative:
I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have tried multiple times to contact Experian by phone. There is no option to speak with a person that I have been able to find. I filed a dispute on XX/XX/XXXX and XX/XX/XXXX, both times they simply messaged me that the investigation was complete. No information was give yto me about who they spoke to or any one I could contact. They no longer are working on the dispue and refuse to reopen another dispute. I believe I am entitled to the details on the investigation, not just their conclusion, which is wrong.

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 2020-01-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me 30 and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.

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