vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 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:
The following accounts on my report does not belong to me nor has anyone provided me, not the reporting agencies, but me any sort of physical documentation to support their claim and without doing so it is against the law for the credit reporting agencies to report such. I need to be notified first and given documentation of what's been made as an allegation towards me .The following accounts I'm respectfully requesting that they be removed, Account 1 - XXXX XXXX XXXX ( XX/XX/2018 ), XXXX XXXX ( XX/XX/2018, and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC
State: CA

Complaint narrative:
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. 
XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
While reviewing my Synchrony Bank accounts online on XX/XX/2018, I noticed that a new Mastercard account was opened under my name which I had not requested. I Immediately called Synchrony Bank 's customer service. I was told that even though I did not apply or request this account, Synchrony Bank would be mailing the credit card by XX/XX/18, and as long as I did not activate the card it would not appear on my credit report.

I contacted Synchrony Bank via their online secured message system on XX/XX/18 to complain and have to date not received a reply.

This seems very similar to the XXXX XXXX XXXX   issue, whereby accounts are opened without customer/client authorization.

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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am refinancing my house for which I have about 30 percent equity. I visited the Navy Federal Credit Union 's web site to check their rates, but it only lists the lowest rate for conventional loans without the number of months and points. From there, their web site directed me to a loan product at a reasonable interest rate and one point. So I applied, paid a fee, and was assigned a processing agent. When I got the documents, however, it had a large {$7000.00} pre-paid mortgage insurance and a monthly PMI payment of {$250.00}. I had to stop their digital approval process and tried to contact the processing agent by telephone and email. She has not returned me voice mail or email. Closer look at the paper work it appears the web site steered me towards an FHA loan. The processing agent should have seen that with 30 percent equity or LTV ratio, I didn't need that product and its a bit disingenuous that she didn't contact me to confirm that's what I really wanted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I was told on the phone that only if I proceeded with the mortgage application to the next step my credit card will be charged. I informed the agent ( XXXX XXXX ) that I did not want to proceed with the mortgage application on XX/XX/XXXX. I was confirmed on the phone multiple times that they will not charge my card until I asked them to move forward. On XX/XX/XXXX, after a week I see a charge for {$31.00} on my XXXX  from Quicken loans! For an application, I did not proceed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a  XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello, and I filed this case with NC Comptroller of Currency # XXXX. Wells Fargo says in a letter of response dated XX/XX/18 that they are updating my information. there are several problems with that. I have two accounts with them 1. they closed one account with a merchant because they no longer due business with them, that reflects badly on me, and my payments are not full payments, but they are reporting me 90 days late. 
2. the other account also partial payments, and they say they will update the info. 
3. I called XXXX XXXX, and she said that XXXX was working on my case, but that she was not available. This is what all the banks due ; i.e., XXXX   XXXX XXXX included, when they don't want to fix or report your payment history correctly, they just want to massacre your report, with no regard to it's impact on the consumer. 
4. Can I get instruction on how to take Wells Fargo to small claims court to claim damages, on my behalf, and what can I use to prove my case. 

I do appreciate your interest in my complaint, this agency and a recourse for consumers

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 2018-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent money to my niece thru Paypal choosing the Friends and Family transfer option. The money was sent directly from my checking account. The transaction was made on XX/XX/XXXX for the amount of {$400.00} and a transaction fee of {$2.00}. Transaction ID # XXXX, sent from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ). The receipt indicated that the person is going to receive the money on XX/XX/XXXX.  My niece needed this money for an out of country trip. I called Paypal the same day asking them when was she going to receive it. They told me within 1 to 2 business days. My niece has still not received the money, it shows pending on her account. I called Paypal on XX/XX/XXXX, and they told me that my niece has to call them. I've also exchange about 8 messages or so with them and no resolution yet. They told me that they have to verify her account. However, her account is verified as she's been using Paypal before, and it does not take this long for an account to be verified. My niece has also contacted them thru emailed messages, and has been ignored and received automated responses. After so many tries, she's received an email saying that she has to wait 21 days for the money to be released, and that the transfer was made thru the Goods and Services option. 
I'm the one who made the transfer, and it was made thru Friends and Family option. I need to know where my money is. I did not agree for Paypal to make the delivery after 21 days. On their website it says that the money gets transferred instantly or within 1 to 2 business days. On my receipt is printed that she is going to get the money the next day. 
I have copies of the emails i exchanged if you need that information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: AES/PHEAA
State: SD

Complaint narrative:
I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: GA

Complaint narrative:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: GA

Complaint narrative:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

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 2018-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: GA

Complaint narrative:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

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 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
Company is calling my job leaving messages. Harrassing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has closed one of my 2 credit card accounts for not having activity. I inquired with their customer service team and was told that if there is no activity in over 36 months they will close the account. Unfortunately this has affected my credit history negatively because of my credit age. I requested to re-open the account and I was told I would have to apply for a new account, that would make my credit age even worse. I asked why was the other account not closed which also had no activity in over 36 months. I was told there were payments made. I stated those were payments for an annual fee, they stated that's still activity. The one they closed did not have an annual fee. 
They are arbitrarily leaving accounts alone if there is no purchase or cash advance activity but still have an annual fee because it is still generating revenue. I would like to have them reopen the account so I can maintain my credit age with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CT

Complaint narrative:
Had an error on my Transunion and XXXX reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX has since been removed from XXXX   but XXXX XXXX XXXX remains ) this account was paid in FULL, however Transunion verified it all 4 times I disputed it as did XXXX, so I show Transunion AND XXXX my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: CT

Complaint narrative:
Had an error on my XXXX and Experian reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX  has since been removed from Experian but XXXX XXXX XXXX remains ) this account was paid in FULL, however XXXX verified it all 4 times I disputed it as did Experian, so I show XXXX  AND Experian my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have a judgment on my account for ( Eviction ) account overviews youve paid off 0 % of your collections amount balance {$3400.00} highest balance {$3400.00} opened XXXX XXXX ( 4 yrs,6mos ) account status. Open type collection Responsibility Joint.remakrs account information Disputed by consumers meets FCRA requirements.original creditors name XXXX XXXX XXXX XXXX closed No info NCC Business service XXXX XXXX XXXX XXXX, Fl XXXX..the civil judgment above I have asked for proof o account ( validation ) proof of a signed lease etc, bring that I know there is not one I have not been furnished with anything .i am aware that as of XX/XX/2017 all civil judgment should have been removed from credits reports in which this one have not.i am requesting that this judgment be removed indefinitely. I have contact the credit bureau and disputed the account as well with no resolution ( the three credit bureaus, XXXX, XXXX  and XXXX, as part of a lawsuit settlement with various states Attorney Generals, agreed to the creation of the national consumer Assistance plan ( NCAP ) for companies that used credit reports the biggest change will be in the decreased reporting of public records, specifically Tax liens and civil judgments such as forcible detainer and unlawful detainer judgment and thus they will disappear from credit bureaus reports in XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
2nd complaint regarding payment processing and billing of XXXX I entered into a rehabilitation agreement on or around XX/XX/2015.. ( can't remember the exact date ) ... but it is recorded. I called XXXX customer service representative and explained that I was having an economic hardship. She set me up with a rehab of {$25.00} per month at that time my loan was 30 days delinquent and the owed balance was {$220.00}. This was not reporting to the credit bureaus. The money was coming out of my checking account on time every month. 
This operator did not inform me the payment amount was insufficient and fees would continue to compound as the time passed. I didn't receive any notification from XXXX regarding the operator error. I rarely received bills from them at all. 
Recently ( a few days ago ) I spoke to a team lead name XXXX, who informed me this representative was not supposed to authorize or set up this type of agreement and she has since been fired. Again no one called me to correct the rehab agreement mistake yet the company allowed the fees, interest and service charges to pile up over the years. 
The mere fact that the operator was fired, shows how common mistakes are made with XXXX regarding processing our Federal loans. These mistakes are devastating to us the consumers because they affect our credit score with negative reporting.

Company response to consumer: Closed with explanation