vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On more than one occasion, navy Federal offset a late payment from my checking account without proper authorization. Several times, the payment has been automatically collected by their automatic collections system. To be specific, the most recent offset occurred XXXX XX/XX/2018. It is my understanding that federal regulations protect me from these sort of collection processes. Also, I was assessed a late fee on XXXX XXXX which is when my loan is due and the payment was made in full on XXXX XXXX. I am under the impression that fees are not assessed until the 10th day after the due date. I went Into their branch located in XXXX XXXX, TX and the representative was not at all helpful. She told me that if my loan was late, they could take the money from my checking account. I told her that was not right and she said that they can take the money from any of my navy federal accounts but not from external accounts. Does not sound at all accurate to me! My attempts to resolve with the company have been unsuccessful, therefore I am left with no choice but to escalate. I thought that navy Federal had corrected its collection processes but apparently not. Thank you for any assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
PayPal has completed a hard inquiry of my credit report that has caused my credit score to be charged with a hard enquiry. I have not utilized or authorize PayPal account to do the credit report and was notified by my financial institutions protection monitoring system that my debit card was used to purchase items from an unknown source with over {$500.00}. That led me to put a hold on the debit card account and get a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX   account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.

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 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Illinois Lending Corporation
State: WI

Complaint narrative:
In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( American Express ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
Due to financial hardships, I took out a loan in XX/XX/XXXX for {$300.00} with {$150.00} added on for interest. So in XX/XX/XXXX, my balance was {$450.00} and I had health issues and was unable to make my first payment that was due XX/XX/XXXX. Despite my defaulting on the loan, Security Finance continued to add interest and late fees ; even though they were well aware that I was in the hospital. I was unaware of how much interest or the late fees until I made a {$50.00} payment ; which brought my supposed balance down to {$390.00}. I called Security Finance and spoke to XXXX and XXXX ; I was told by both that my entire payment of {$50.00} went to interest ( XXXX ) and late fee ( XXXX ). None of my payment went towards the actual loan. Furthermore, they call my phone 3 to 4 times a day, 6 days a week. They are overly aggressive and refuse to work with 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 2018-01-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I first filed a dispute with Experian regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/2017 that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

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 2018-01-27 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:
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX  ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27 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:
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( Bank of America ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Purchased a comforter and some sheets from the XXXX website, upon arrival of the items, I notified the company they needed to be returned because it was NOT what I purchased and sent them back. 

A week or two later the XXXX folks called in a very hateful manner saying they would refuse to issue a refund or replacement because what was sent back was not what I ordered -- - tried to explain that the problem was exactly that, the items they sent were NOT what I ordered, therefore they were returned and wanted a refund at this point ratehr than a replacement due to their hateful attitude. 

They said too bad, that they were rejecting the items back and that I would be forced to pay for the items I sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: CA

Complaint narrative:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my transunion credit it shows I work at XXXX which I don't.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I close my account, because I made a payment earlyer then, the date before it was due, I paid a XXXX dollars on the payment it was only XXXX and I paid a XXXX thinking that enough for 3 payments, so I didn't pay XXXX, customer service call telling me I missed a payment, so I tried to explain to her what I did, she wouldn't accept it, so I sent in two payments to get back on track, payments of XXXX, I wasn't please with the way customer service talk with me, so I made a loan and paid them off, I call and ask them to put my credit back to good standard, they said they couldn't. My credit score was at XXXX, and now down to XXXX, please help. My ID was stolen in2012, and I reported it, I have indents thefs on my record. please help I'm XXXX yrs old, and also .I never lived in XXXX Ga . Thanks.

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 2018-01-27 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: CA

Complaint narrative:
On my XXXX  credit it shows I work at XXXX which I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: CA

Complaint narrative:
On my XXXX credit it shows I work at XXXX which I don't.

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 2018-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card. 

After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund. 

About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not. 

Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money. 

But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided. 

Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number. 

Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.

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 2018-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation