vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.

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 2018-01-02 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
A supposed debt collector is trying to say I didnt pay cash call when In fact cash call sold my debt and I paid off that debt collector now theyre harassing me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
This is not my debt it is reporting to all three credit bureaus and the account has been sold to this collection company and it is hurt my credit

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 2018-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
HOLLOWAY CREDIT SOLUTIONS CALLS CONSTANTLY FROM DIFFERENT NUMBERS PRETENDING TO BE SOMEONE ELSE AND HARASSING ME LEAVING RUDE VOICEMAILS RELENTLESSLY ALL TIMES OF DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MS

Complaint narrative:
I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I applied for and received a mortgage through XXXX XXXX, a company in Utah. After receiving my loan, they sold my mortgage off to XXXX with the stipulation that I paid my first months mortgage ( Due XX/XX/XXXX ) directly to XXXX. I wrote and sent my check on XX/XX/XXXX for the amount of XXXX. It was processed and went out of my account on XX/XX/XXXX. There was also another payment that went out on the same Check number for the amount of XXXX. I did not authorize this amount and never wrote a check for this amount, nor is it possible to write a check for a different amount using the same check number. After contacting my Bank and XXXX XXXX on XX/XX/XXXX, It was made known to me that Wells fargo, the lending company 's bank, was the one in error. It was said that they possibly paid someone else 's mortgage with my Check information. My bank said there is nothing they can do, such as a stop payment, because the check went through. I am not sure why this is possible that that same check number was used twice. I was told to be patient and that Wells Fargo would fix the matter. I contacted my bank and again was told that there is nothing that can be done on their end, meanwhile my account is overdrawn and I am missing XXXX $ from my account. I called XXXX on XX/XX/XXXX and am told that they can do nothing unless the mortgage company calls in. I am still without my money, that I did not authorize to be taken from my account, and I am unable to pay bills or even deposit money into my account since it is in the negative.

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 2018-01-02 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: VA

Complaint narrative:
On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.

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 2018-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

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 2018-01-02 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: WI

Complaint narrative:
Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******

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 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been in contact with Navient to attempt to get on IBR to repay my student loans, but I 've been given the run-around. I was on a $ XXXX/month payment plan for a year to get the loans out of default, but the payments did not get the loan out of default and no one has been able to tell me who has posession of my loans now. Every department I call tells me to call the other department that I previously called and they keep passing me off. I need help 1 ) obtaining the information regarding who has the loans, 2 ) obtaining information about the amount owed, and 3 ) getting on an Income Based Repayment ( IBR ) plan to pay the loans off. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
A few problems Initially it was hard to get information on loan balance for approximately a year to year and a half. Navigation of the phone system was very difficult. Also, when I called the representative either did n't answer or ne it was difficult to get the balance. Only when I became frustrated and spoke more sternly or called back or asked to speak to a manger would I get a proper answer. 
Had issues where I paid extra on the account and they never applied it to the loan but applied it to the next payment. I called a few times and finally gave up. 
I never received a bill since Navient took over my loan. With XXXX XXXX I had a booklet and a way to find out what my daily balance of each loan was. 
After the first year or year and a half of them owning my loan Navient took steps to better the phone procedures and later created the website where I could check this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: WI

Complaint narrative:
Please see attached document for full details of complaint. Experian has failed to conduct a proper investigation and I am demanding a full description of the procedures used to substantiate the conclusions of their investigation into the following accounts : XXXX XXXX XXXX ******* I am preparing to take civil action if this request is not handled properly*****

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 2018-01-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal complaint disputing the inaccurate reporting to Equifax, XXXX, and XXXX by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from Equifax, XXXX, and XXXX and provide me written proof that this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/XXXX, when paying my credit card online I accidentally added a XXXX, paying {$30000.00} rather than the intended {$3000.00}. This was in excess by about {$24000.00} to what I owed and twice my credit limit on the card. I called Bank of America to request a refund on XX/XX/XXXX. They said they would issue a refund within 6-7 days. No refund was issued in that time. On XX/XX/XXXX I called Bank of America again and was assured that the refund of {$27000.00} ( the over payment amount ) would be made by XX/XX/XXXX at the absolute latest. No refund was issued. I called again on XX/XX/XXXX. I was told the refund was not being processed because Bank of America wanted proof from me that the money was taken out of my account ( i.e., they wanted me to provide a bank statement before they would process a refund ). Bank of America made no efforts to contact me in this time with this request for verification and simply did nothing until I called third time and insisted that some thing be done. I was made to fax in my bank account statement to prove that the money was sent to Bank of America and that I was not refunded. I have now been told the request for a refund will be expedited and refund will be issued in 24-48 hours, but they also said it might be 6-7 days.

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I sent XXXX to an address generated for my account, using 2 separate transactions, initiated : XX/XX/XXXX XX/XX/XXXX The XX/XX/XXXX transaction confirmed immediately and I sold and transferred to my bank.

The XX/XX/XXXX transaction confirmed on XX/XX/XXXX, but never got credited to my account This transaction showed as pending for 4 weeks, but eventually disappeared entirely from my account. However, both transactions can still be seen in the blockchain public ledger.

I attempted to resolve this with the company multiple times, with communication on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX They reviewed and closed the case, reporting that the transaction and sale was successful. The reviewer completely ignored the other transaction that was never credited.

I have re-opened this case, however, Coinbase has not responded in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: GA

Complaint narrative:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same and inaccurate. ***

Company response to consumer: Closed with explanation