vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: RI

Complaint narrative:
In XXXX XXXX 2017 I applied for a modification of my mortgage with XXXX XXXX XXXX XXXX. I retained the services of an attorney to assist me. My attorney 's office attempted on several occasions to contact my mortgage servicer but was repeatedly told that there was no modification department and that they had to contact the original mortgage originator ( the person ). Ultimately, my attorney 's office sent a complete modification request package with a standard RMA, Income Verification, Bank Statements, and a Reason for my Hardship. This request package was faxed and emailed twice, only to be returned without explanation. 

My complaint centers around the fact that mortgage servicers, such as XXXX XXXX, are by law supposed to have accessible mortgage assistance programs and policies in place so that consumers may access them in times of hardship. A review of XXXX XXXX 's web-site shows that there is nothing available that can be found to direct consumers on how to go about applying for loss mitigation assistance. 

I am sure I am not the only mortgagor who has run into this road block and I believe that this type of stonewalling consumers to prevent them access to mortgage assistance programs that should be made available can only be resolved by seeking the assistance of the Consumer Financial Protection Bureau.

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 2018-01-13 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I noticed a credit inquiry on my XXXX credit report that i do not recognize and did not authorize i have tried to contact ford motor credit to resolve this and they have not been helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: MO

Complaint narrative:
I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 2018-01-13 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Erroneous Information and Statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 2018-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX XXXX site will not allow me to login to my account. There is an error with the system either timing out while trying to log in or it has an issue with cookies. The site locks you out of your account ( even after allowing you to go through layers of verification- which have to be correct or the system does n't let you proceed ) and there are no protocols in place to unlock the password or account on the weekends. 

I am buying a home, and keep my money for appraisal/inspection/insurance in this account. I will now be unable to access the account to set up a transfer in any capacity until Tuesday, potentially causing my student loan payments to now bounce since I 'm on auto pay and and was assuming I could ... You know, access the money in my account to help cover the XXXX $ appraisal I went ahead and paid for. 

No way to access to my account or money for three days or a bank with no physical presence being closed for that long should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: WV

Complaint narrative:
I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: CA

Complaint narrative:
Erroneous Information and Statue of Limitations

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 2018-01-13 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: CA

Complaint narrative:
Erroneous Information and Statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: CA

Complaint narrative:
Erroneous Information and Statue of Limitations

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 2018-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
the banks has hit me with 5 overdrafts on the XX/XX/XXXX & XX/XX/XXXX i deposited my check late on the XX/XX/XXXX but they always release XXXX XXXX time of deposit but not this time causing this overdrafts i understand the first one on the XX/XX/XXXX but the othere four on the XX/XX/XXXX are excessves fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc.

2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items.

3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue.

4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue.

5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis.

6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX  account.

I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ).

I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account.

Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly.

Thank you for your time and I look forward to your response. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
Purchased item at home show and then decided amount was too much and items were not a necessity. Called and cancelled but was notified item had been prepped for shipping. Never received item and notified company. Been disputing this the beginning.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: PR

Complaint narrative:
Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.

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 2018-01-13 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: FL

Complaint narrative:
Furnishing Certain Deceptive Forms 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for  failure to comply with a provision of this subchapter. 
15 USC 1692g - Validation of debts 15 USC 1692f - Unfair practices 15 USC 1692e - False or misleading representations 15 USC 1692d - Harassment or abuse Experian Report no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-01-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My score was maintaining an average XXXX and now that Chase Auto loan fraudulently reported up to 90 days on my credit along with my husband causing our credit score to go down 100 points. 

Back on XXXX 2017 I called Chase Auto loan to Deffer three months payments due to Hurricane IRMA which they approved and said it would not hurt my credit nor will it go on my credit Score however it did indeed show up on credit and harmed my and husband score very much. This should have never gone on report and now score is extremely low and showing it is now current however score only went up a few this should not have happened and score should be higher as it was before. 

Please help fix our issues and score increase. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: VA

Complaint narrative:
On XXXX XXXX,2017 @ XXXX I checked in the XXXX XXXX XXXX for two nights. My XXXX card was charged {$230.00}. Hotel also requested {$100.00} for incidentals which I placed on a bank master card ending in XXXX.

XXXX last 5 on the card XXXX.

The morning of XXXX I went to the front desk and requested a check out after one night, because a snow storm was approaching New York. I did not want to stranded there.

Hotel clerk ok 'd the departure. Included his name on the invoice and wrote for one night, which I did request. I have had problems with XXXX before Charges were processed as stated on invoice total for the one night {$110.00} {$230.00} less {$110.00} is {$110.00} which should have been returned to my card within 5-10 days. As I begin to call about the return of my money to the card things became complicated. One supervisor said " it would take 45 days '', I kept calling, then I was given a phony number to fax any documentation I had as proof, the number was for the gift card department and not a fax machine. After two more wrong numbers I was given the right number for a fax machine. I paid {$14.00} and faxed the documents same Documents I 'm sending here. I called that same day to tell my story to the first responders who answer the phone and requested they give me a supervisor. this time it was XXXX. I explained to him what I had done ; he placed me on hold to check, he returned 5 min. later and said " they did not have them and he wanted me to resend them. I asked him if he really want me to go spend another {$14.00} totaling {$28.00} and send these papers. He said he would refund the money I spent faxing the docs. I strongly believe it not too be true of refunding {$14.00}, because of the anguish I have experienced just trying to recover the money they owe me.

Company response to consumer: Closed with explanation