vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased a ring from XXXX XXXX for a total of {$7700.00}. When going over my purchase options the Jeweler informed me that they have financing for 0 % interest for 6 months to 1 year. I told them I preferred to pay cash but would have to go to the bank, the stated I might as well do the financing to help with credit. I asked if this would be a soft or hard inquiry into my credit, and told them I was planning on opening a new credit card account so this was important to me, which they replied just a soft inquiry. Upon being approved they told me how much I was approved for {$5600.00} so i paid the remaining balance of {$2100.00}. They say I will just have to keep up with monthly payments and make sure to pay it all off before the 0 % interest runs out, I was planning on just paying it all off at once. Later I come to find out what they had done is issue me a credit card that was maxed out to the {$5600.00} and that it was a hard inquiry on my credit report. Had I known this I would never have agreed to the financing options. XXXX XXXX has basically said they are sorry and will work on informing their staff to take better precautions on how they advertise the financing. Wells Fargo was unable to assist me over the phone yet.

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 2018-01-15 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I discovered around XX/XX/XXXX that Navy Federal Credit Union was reporting a Line of Credit loan in the amount of {$12000.00} on my XXXX, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my XXXX dispute result on XX/XX/XXXX which Navy Federal reported to them that they were reporting it correctly. I called Navy Federal and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
This is my third attempt in trying to resolve a car title loan issue. In speaking with XXXX back in XXXX about the loss of my job, they modified the loan only I as I told them on the phone, I had no income and but was asked to pay {$1200.00} more dollars anyway. I have now paid a total of {$1800.00} on this loan and I can not come up with the remaining {$400.00}. Im asking XXXX to please forgive the remaining {$400.00} and allow me to have my car title returned as this is our only form of transportation. I paid {$800.00} of what they were asking. I am still unemployed and on welfare right now. I need this car to find work and get my kids around. I had no idea I would lose my job and it put me in this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 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 2018-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

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 2018-01-15 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: NY

Complaint narrative:
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

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 2018-01-15 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: Nelnet, Inc.
State: MD

Complaint narrative:
Approximately in XX/XX/XXXX, I knew that my student loan repayments were going to begin in XX/XX/XXXX. I decided to make an early payment and set up auto-payment through NelNet. I visited the website and attempted to make my first payment in XX/XX/XXXX and set up my auto-debit payment account. In XX/XX/XXXX, I received an email from NelNet stating that a certain amount was going to be taken from my bank account. After they took a certain amount from my bank, I received another email stating that they were going to remove another amount from my bank account. I was confused on why they were going to be taking from my bank account twice. They said that their system default does not necessarily make all payments deductions on one day. I was confused on what my monthly minimum payments was. Even though I was speaking to the representative, she could not give me a straight answer. I asked her to please make all my monthly payments due on one day and she confirmed that she would. On XX/XX/XXXX, I contacted NelNet requesting that my payments be due on the XXXX of every month. The representative stated that the amount due on XX/XX/XXXX was already processed and that could not be changed. I said that was okay, but please starting in XX/XX/XXXX, to please change the due date to the XX/XX/XXXX. I was told that the next auto-payment would be processed on XX/XX/XXXX. So a total amount of $ XXXX was taken from my bank on XX/XX/XXXX. But then I received another email on XX/XX/XXXX stating that the same amount of $ XXXX was going to be processed on XX/XX/XXXX. I immediately called NetNet informing them that this was a mistake. The representative confirmed that the system noted the next payment was supposed to take place on XX/XX/XXXX, but for some reason they could not do anything about the amount being processed on XX/XX/XXXX. They said they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted XXXX equifax and XXXX about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
A couple of months ago I noticed that I had a negative collection item on my credit report in the amount of {$560.00}. I formally disputed this item through XXXX and requested proof of debt in writing to the reporting collection agency. 

After thoroughly reviewing the information today I realize that this was not a valid debt. I immediately contacted Collection Bureau of America ( XXXX ) and spoke to a collector who informed me that this bill was for sparkle its water. I explained to her that I have never had sparkle water and that this was not my debt. I also told her the address that she claims the water was being delivered to was a rental property of mine and was not my personal residence at the time. I made a request for proof of debt and was told essentially there was none. She then proceeded to tell me that proof of debt was not needed for this to be a valid debt and that this negative mark will remain on my personal credit. 

This is a direct violation of the FDCPA and hoping that you can help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA not mine / No knowledge of the account / too many inquiries.

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 2018-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted transunion XXXX and transunion about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.

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 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation / No knowledge of the account / too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation / No knowledge of the account / too many inquiries.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

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 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. 

This game debt collector had my address and the exact balance that was due last month,

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 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase.com removed a total of {$100.00} from my bank account ( {$50.00} from checking and {$50.00} from savings ). This was an unauthorized transaction as I did not create an account with them. The reporting a fraudulent charge option on their site does not work and no one responds to requests. 

I have already reported it to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The problem is with tjx Visa card under XXXX XXXX First the  represanative are rude unwilling to do anything when I talk to them it feels like I am talking to the robot Michine. 
They also tread the customer like a criminal. 
Second their automative is very XXXX doesnt respond correctly and doesnt understand me when I want to make a payment and payment through customer service they charge {$10.00} My XXXX statements didnt get to me snd my XXXX statements my neighbors brought it to me which I assume my XXXX statements also was put on the wrong address. The mail man make this mistake sometimes if he doesnt pay attention because there are at least 15 21 in this  community but under different street name The credit card charged me {$25.00} and {$35.00} Is this ok??????? 
Or its high way rubbery {$60.00} Just late fee Third problem is there are charges to my account thats not mine and it should be disputed and diducted from my account. 
Charges are from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. 

After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. 

About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is trying to use a 3 day float time on a cashiers check. The entire point of a cashiers or bank check is there is no float time. That is why they cost money as opposed to personal checks. They are doing this as a fraudulent practise to use your funds for money market accounts which they profit off of. They will say it is because it takes time to clear it. However to after it clears it goes into a money market account and not into my bank account. I tried talking to them after waiting on the phone for 40 minutes they tried acting like it is normal..

They also steal a XXXX out of every cash deposit over 200 dollars and occasionally charge you fees you should not get. All making you spend time to get it back. They always give it back when they are caught. But I should not have to catch them and spend hours on the phone trying to get my money back. 
It would be nice if the government actively policed them ...

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 2018-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation