vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I had gotten my XXXX XXXX debit card stolen on XX/XX/XXXX and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX, IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the only one. I have an installment loan with XXXX and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX 's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through XXXX when canceling my card and caused the payment for XX/XX/XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX, IL and was advised to wait until my next payment day of XX/XX/XXXX to avoid being double charged. I listened and come XX/XX/XXXX I received a phone call from XXXX 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX 's payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX 's overdue payment which put me at insufficient funds once again. XXXX has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
We are having problems getting our mortgage company to release the funds that the insurance company allotted for repair of our house after the  Great Flood.  They released 50 % of the funds after we reached 50 % completion of the repairs, according to their inspection. This was after we had to get forceful with them to release that money. We have filed all the necessary paperwork to be our own contractors, due to the lack of adequate contractors or workers available to the contractors after the flood. We have gotten professionals to complete the work up until this point when it was needed, and would like to continue to do so. The problem comes in that they said our next inspection will be required at 100 % for them to release the rest of the funds. In other words, they would like us to complete the repairs out of pocket and then reimburse us?? We think the logic in this in faulty, and would like the funds ahead of time to complete the repairs.   The last letter they sent to us was stating that they had n't heard from us in 45 days and questioning why we were n't at 100 %. They said delaying on our part could cause a problem with the claim. It has been  9.5  months since the flood. There are shortages of materials and workers. Materials have been delivered damaged, or incorrectly. Nothing is moving quickly.   We are asking that the money be released to us in a timely manner, without the reluctance we have been receiving from them. If they were to look at our history of this mortgage, they would see that we have not been late on payments and we have even paid extra most months. We moved into this house 5 years ago, put a significant down payment on it at signing, and have taken good care of the house until the flood. After the flood, we made repairs to the outside of the house that the insurance did n't cover, which totalled arou nd 20,000. We are q uite vested in this house and have no intention of taking the money and running. We have taken a lot of pride in making our house our home, have all intentions of rebuilding even better than before, and do not appreciate the hoops we are having to jump through to be able to have access to  OUR  money.   In summary, we would like the rest of the money released to us so that we can make the repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

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 2017-05-21 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: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: SC

Complaint narrative:
I received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

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 2017-05-21 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I called the deptor and they said my account of {$36.00} has a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Deutsche Bank
State: PA

Complaint narrative:
Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am an  XXXX   XXXX  military member, and like numerous others who have recently submitted complaints on CFPB against Barclays, I too signed up for  Barclay 's Luxury Gold Card having been promised waived annual fees ( {$990.00 } ) and 0 % APR for as long as I maintain  XXXX   XXXX  status. I became a member in the beginning of  XXXX    XXXX   and had no issues obtaining the military benefits. However, by  XXXX , I had heard rumors of policy changes, specifically that these benefits would no longer be offered to new card members. After investigating this further, I was assured that this would only affect new card applicants, and that current cardholders would essentially be grandfathered into the original agreement. A couple of months ago, I received the same letter than many others on here have received, detailing another policy change where the annual fee would no longer be honored. According to the letter, I will owe the annual fee of {$990.00} starting this  XXXX , while I will continue to have 0 % APR for the duration of my  XXXX   XXXX  service. I called  Barclays  to try to resolve this without any success.     My issue with Barclays is n't the annual fee itself, it 's their blatant disregard for business ethics, violation of good will, and their unwillingness to make amends. I would not have signed up for this credit card as the annual fee far outweighs any of the benefits I would normally be able to use. I signed up because the offer was honestly a good deal. But with this drastic reversal in policy, this seems very much like a bait and switch. If I cancel the card, which I will most likely end up doing, I will still have a hard pull on my credit report to the detriment of my credit because  of Barclay 's irresponsible methods. Barclays should revisit this policy and honor the agreement they promised current card holders when they signed up for this c ard.

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 2017-05-21 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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Morgtage are ina ccurately reporting to my credit report.     In  XXXX   XXXX   XXXX   XXXX  appeared on my   XXXX   credit report, citing a mortgag e as 60-120 late for th e months of  XXXX   XXXX ,  XXXX  through  XXXX   XXXX . I do not have a mortgage with  XXXX   XXXX , additionally I have received no correspondence from this company informing me of such.     Shocked to see this I reached out to my mortgage lender  XXXX   XXXX   XXXX   XXXX   to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered.  Dovenmuehle  are however the servicers for my mortgage with  XXXX   XXXX   XXXX   XXXX   and while the representative informed me that  Dovenmuehle  also serviced mortgages for  XXXX   XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report.     It should be noted that I am are currently disputing several months of mortgage payments made to  Dovenmuehle that d o not appear to have been applied to my account for my mortgage with  XXXX   XXXX   XXXX   XXXX    According to the most recent statement I received Dovenmuehle they state they have not received payments for  XXXX   XXXX  through  XXXX   XXXX   ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by  Dovenmuehle.      As of  XXXX   XXXX   Dovenmuehle  is still reporting  XXXX   XXXX   ( an   entity I have no relationship with ) to my  XXXX  credit report while they report   XXXX   XXXX   XXXX   to  XXXX  and  XXXX   ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this.     I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
During the holiday season of XX/XX/XXXX, I have made several jewelry purchases from XXXX  's Department store. Later in the month, I chose to return my purchases. It was n't until I received my monthly statement in XX/XX/XXXX that I realized that my returns were not properly allocated to their correct account. XXXX 's has two accounts : 1 ) a Regular Account ( that bears interest ) ; and 2 ) a Club Account ( that defers interest for 1 year ). I made 3 returns with the same XXXX  's employee on the same day. All 3 of these returns should have corresponded to purchases I made to my XXXX 's Club Account ; however, 1 of the returns was credited to my Regular Account, while the other 2 were misallocated to other items in my Club Account. When I identified the problem I immediately contacted XXXX 's at XXXX 's Customer Service to explain the situation. The agent assured me that they will resolve this issue, but that I wo n't see it on my statement for 1-2 billing cycles. I waited 2-3 month, but instead of the problem being corrected, XXXX 's had fraudulently charged my account. I contacted Customer Service to tell them that I see fraudulent activity on my statement. Again, an agent told me that they are working on my account and that I wo n't see any changes for 1-2 billing cycles. It has been 1.5 years since the incident and yet my letters to XXXX 's are ignored, no changes have been made to my accounts, no response or attempt to resolve this matter are made by XXXX 's. In fact, instead of rectifying the problem that XXXX  's Employee has created, they fraudulent added charges to my account that I did not make, in addition to interest on said fraudulent charges, and they chose to send my account to credit reporting agencies and have creditor 's call and harass my family and I. I have been with XXXX 's for a long time. In fact, XXXX 's was one of the first credit cards that I have opened. I never had any issues with them in the past ; however, their lack of customer service is deplorable. I am ashamed to have ever opened an account with this company.

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 2017-05-21 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: TX

Complaint narrative:
Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.

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 2017-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: NJ

Complaint narrative:
I have student loans from XXXX XXXX XXXX and from states outside PA on my report. I have contacted these agencies and confirmed I do not have loans with them. I reported this to Equifax twice and they continue to say these loans belong to me and they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.

Company response to consumer: Closed with explanation