vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
The bank in question is XXXX XXXX D/B/A Wal-Mart Card. This card offers a promotional interest rate which I usually use for XXXX shopping. This promotional rate usually fails ( due to a complex process that is constantly under changes by the bank ) to take effect and calls and online chats with the company can usually resolve this. However, this did not work this last XXXX. I made a large purchase on Wal-Mart.com and after I was told that only in-store purchases were elegible for 0 %  interest. I at that point requested paper stetements, which I am now getting. Then they deleted all of my account history from my online account. As i did not recieve paper statements before, I have no history of my purchases. So here I pay 24 % interest until it is paid off. Today XX/XX/17 I am unable to download a PDF statement online, so I guess that is gone too. I looked this bank up on the BBB here : XXXX XXXX XXXX XXXX Here is their own summary from their page ; A+ BBB Rating System Overview Customer Review Rating : 94 % [ 30 ] Positive Reviews [ 23 ] Neutral Reviews [ 783 ] Negative Reviews [ 836 ] Total Customer Reviews [ 4,854 ] Total Customer Complaints Really? I am unable to file a BBB complaint because the page goes dead when entering the complaint process. Also somehow thay are rated A+ so there goes the BBB 's reputation. This company thought of everything. I believe they purchased this rating. All that I can do is say I am an honest person and keep my promises so I can not recommend this company because they are predatory in every way. Thank you for your time. XXXX XXXX XXXX, NH

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
Monthly payments for {$3700.00} have been paid each month. For the last 12 months,  PHH has h ad consistent issues with listing an escrow on the account and it does NOT have escrow. Taxes and insurance are excluded in the monthly mortgage payment, paid separately by homeowner. As of  XXXX   XXXX ,  2017 ,  PHH h as issued a letter threatening foreclosure and has returned my las t two payments. PHH is now claiming four months are past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was steered into forbearance instead of being given clear alternative repayment options. After two years of forbearance, I now have an income driven plan but with much more accumulated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Genesis Financial & Payment Systems Holdings, LLC
State: UT

Complaint narrative:
After receiving calls from " Genesis Financial, '' I sent a request for validation in writing, as well as a cease and desist notice of communication with third parties or anyone other than myself as I would correspond with them directly. They noted this on the account last week per their representative I spoke with, yet not only called my mom the day after I asked them not to and they confirmed, but today my employer also got a notice from them which I have not yet even received. I have reviewed and attached the notice that was sent to my employer, and as this notice should have been provided to me, and per the phone call with Genesis Financial on speaker phone while in the payroll office at my place of employment, the person at Genesis said when I asked what my employer was supposed to do with this "  notice, '' she said nothing. '' Again then, if this notice had nothing that needed to be done by my employer, it should n't have been sent to them in the first place, and should have been sent to me as requested. I specifically asked them to send me written correspondence regarding this " account, '' provided them with my contact information to make sure they had everything they needed, only to have them continue to send correspondence to third parties without even sending it to me directly so I have a chance to dispute and/or respond appropriately. I have requested validation and verification of this " account '' in writing, and while I am waiting for them to mail me that information, they continue to violate a cease and desist communication with third parties after they confirmed receipt of that last week, and acknowledged to me they received it and would not contact anyone other than myself. This should apply to written correspondence as well as the phone calls to my " references '' as they indicated. Per that request, written notification should be provided to me BEFORE it is sent to an employer, or shared with anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
I have disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
I have disputed XXXX on my credit report with XXXX XXXX and Transunion multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all XXXX CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX these XXXX were shut down by the federal Government, XXXX XXXX XXXX, and Last XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.

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 2017-05-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: NM

Complaint narrative:
Equifax and  XXXX  are not responding to my requests to investigate and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I am writing to dispute the following information in my file. The essence of my complaint is that my Mortgage Servicing Agent, Nationstar Mortgage,  XXXX , TX  ( Nationstar ) acco unt #  XXXX  misapplied 2 months worth of regular mortgage payments  in 2013, has sin ce returned the funds to me, but will not remove the erroneously reported missed/late payments from my credit history or recognize regular installment catch up payments, instead insisting I pay penalties and interest which have accrued on my loan in arrears. Details are attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On Wednesday  XXXX   XXXX ,  2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf  of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as  XXXX  and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up.     I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written  requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number.
I was never read any disclosure that this was an attempt to collect a debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have multiple credit inquiries that I did not authorize. I have contacted Transunion,  XXXX , and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

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 2017-05-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have multiple credit inquiries that I did not authorize. I have contacted  XXXX , Experian, and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My sister passed away. I have a cc with the activation sticker still on it. Barclays is unresponsive. Whenever I reach a human, they say the account is open but they can not close the account and must transfer me to someone who can. I have been put on hold for 30 minutes on three separate occasions. Their complaint procedure found at   XXXX   XXXX   XXXX   says I may call  XXXX  and all I need are name and address, day time telephone number where we can contact you, and a clear description of your concern or problem. Calling this number does not permit me to follow the outlined process. It just puts me back into the same holding pattern for anoth er 30 m inute wait.

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to close my account and they told me they would turn me in the credit bureau.  XXXX   2017ask f or for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.

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 2017-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santander Consumer USA has been reporting my account to the credit bureaus, as a " charge off '', when it was not a " charge off ''. This account was " Paid in Full ''. This was for a car loan and Santander sent me the release of lien. If the account was a charge off, they would not have sent me the release of lien. I have disputed this with the credit bureaus numerous times since 2015. I have even sent Santander letters to correct this and they did not respond. I have also had a lawyer send them a letter and they did not respond ( attached  ).    Santander Consumer USA   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: GA

Complaint narrative:
I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.

Company response to consumer: Closed with explanation