vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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: DISCOVER BANK
State: MI

Complaint narrative:
Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was  scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
This is a complaint about Wakefield and associates. I contested the medical debt in writing and was told they would let me know what happened with my contesting. I never received a written reply or phone call about the contesting. Instead they reported me to the credit bureau and I called them and they claimed it said it was marked as contested but wouldnt let me talk to a supervisor and said hed write it down for him. They wouldnt give me the name of the person they were trying to collect the debt for ( nurse practitioner ) or a phone number or address. They said XXXX. I provided insurance documentation and they continue to call and tell me you not paying this debt is hurting your credit. The most recent person to call had no idea I had contested this and continued to threaten 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 2019-03-14 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: TN

Complaint narrative:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Due date every month is XXXX. Company has one time of the loan you can change the date. I changed the date on the XXXX in the morning to the XXXX and they sent the charge anyway. I did this on the website. 
1. The biggest problem with this is there was no confirmation email sent saying there was a change. Any change on an account should always have confirmation sent either by email or by mail if any change is made.

At the same time on the website, I took off my auto payment information. The payment information was still charged.

2. The biggest problem with this is there was no confirmation email sent saying any change was made on the account either by email or by mail. I have the account setup by email so I should have received something. 
I called on XX/XX/19 and spoke to a representative named XXXX who said it was still setup on autopayment and that taking it off of auto payment on the website does not cancel autopayment. She also stated that changing the due date does not cancel the payment and that a phone call is required to make both changes. In other words the website makes no changes.

The Consumer is not protected at all. The company is overprotected. There is no governing laws being applied to this company to protect the consumer in any way. 

When I called on the XXXX, I asked the rep if I could move the payment to a little further out since it had only been 3 days. She said no. I asked for email confirmations to be sent to me in regards to the changes I made on the XX/XX/19 date and the rep said no.

The rep stated that it is clear when you make the changes that it is a one time opportunity to make a change on the date. I asked the rep if there is anything she could do to assist me. She asked what I would like her to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
LOAN # XXXX BORROWER : XXXX XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, WA # XXXX XXXX ** We are trying to negotiate a short sale on the above referenced property I was advised the investor is countering the offer that is currently price at $ XXXXto increase to {$160000.00}. I am disputing this and feel the dispute is warranted because the XXXX that SPS currently has on file values the property at {$140000.00}. Which is in line with our current offer is and should be approved since the offer on the short sale is fair market value. The investors expecting to receive above fair market value according to their counter is unethical and no up to distressed homeowner protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: VA

Complaint narrative:
I had a visit from a XXXX authorized dealer ( XXXX XXXX XXXX ) to my house on XX/XX/2019 letting me know about promotions XXXX is running. After our conversation he told me he needed to check if I had any outstanding balance due with the company. I gave him my SSN number and specifically asked him not to run my credit and he assured me that he will only check if I had a prior balance with XXXX. After he left I found out that I had a hard check on my credit report. I immediately contacted Trans Union credit bureau and was told I would need a letter of deletion to remove this unauthorized credit pull from XXXX. I contacted XXXX and explained the whole situation to them and was told they can't issue me a letter of deletion. I'm in the process of buying a new car so this unauthorized credit check has severe financial implications for me. I'm not getting any help from XXXX in this regard and Trans Union is not willing to remove it without the letter of deletion. I would really appreciate your help to remove this fraudulent credit inquiry on my credit report. 

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 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am a graduate of XXXX XXXX XXXX XXXX XXXX ( my dream school since I was XXXX years old ) which I now regret. I have roughly {$130000.00} in private loans with Sallie Mae and {$40000.00} in federal loans. After graduation I was highered part time and qualified for forms of forbearance.My mother who cosigned my private loans filed for bankruptcy and is my only family, she can not help me pay what so ever. Now that I have a full time job ( and looking for a second ) and make {$430.00} a week I don't qualify for any forbearance, but still cant afford the lowest repayment options, {$590.00} a month from Sallie Mae and {$230.00} for Federal. I have a personal loan, phone payment, {$670.00} rent, and groceries I pay every month. This doesn't include electricity bills, heating bills, water bills, or any other monthly bills. I am currently in the process of moving everything over from XXXX  to XXXX XXXX, so my car insurance and car payments are not even included. I feel as though I am fighting a losing battle and do not know what else I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

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 2019-03-14 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: NC

Complaint narrative:
I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX2019 Problem : Failure of access Citi Bank Thank You reward points XXXX XXXX  Checking account is linked to Citi Bank Thank You REWARD points with Ciit Bank.

When transferred to XXXX XXXX I am verified with my checking account number, last 4 digits of social security number. XXXX struggles each time I contact Ciit to redeem points then transferred to XXXX and FAILURE to allow me access to my reward points. XXXX XXXX   can not access my account by by Name nor checking account number even though automated system can!

XXXX   demands my Member ID number which is NOT on my checking ccount statement, XXXX tells me it ; 's on a credit card statement but I do not have a XXXX  Credit card.

XXXX is equal to {$550.00}. XXXX of CASH!

CITI BANK is denying me {$550.00} which I trying to sue for travel purposes.

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 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I have an outstanding debt with XXXX for {$120.00}. This is incorrect and they told me I was given XXXX cable boxes initially, but I was only given XXXX. I did not pay this as it was not something I truly owed. Since that time this debt has gone through XXXX separate companies. It is currently with Diversified Consultant. They have called my partner and asked for me. They are calling me multiple times per day. Always from a different number with an XXXX area code. They have called from XXXX, XXXX, XXXX, etc. I have not answered these calls as they are typically during business hours. I am a physician and these calls occur as I'm seeing patients and are very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
ON XX/XX/2019 I made some bill pays on line with XXXX XXXX online banking 1 payment was made to The Money Source for XX/XX/XXXX payment. But by error XXXX XXXX made two payment checks and were sent. I have been trying to get a refund from The Money Source for 11 day 's. Customer service wanted a proof of payment i down loaded it and emailed it to them, after they received it and a few days pasted. With no response I called customer service had done nothing at all and then said they needed a copy of my bank statement showing the transaction. I went to my local XXXX XXXX branch bank and had them fax a copy of the transaction to XXXX on XX/XX/2019. In speaking to a customer care person at XXXX I was told they would overnight a check. I made a call today XX/XX/2019 to see why no one returned my call and was told it had not been approved as yet. I asked why? I was told they didn't know. XXXX needs to get there head out of there XXXX 's and send my check ASAP. 





































Answer no one know 's. but they would send a check and it would take 2 to 10 days to receive. Say what!! I am XXXX years old and on a fixed income and have bills to pay and need it now, I will be charged late charges on my bill 's and harm my credit score. I was told they needed to listen to the recording to see if they had been offered overnight as of now I'm waiting for that phone call.personal info on request. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: TN

Complaint narrative:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.

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 2019-03-14 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: TN

Complaint narrative:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.

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 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Payments Check Services, Inc.
State: MN

Complaint narrative:
XX/XX/2019 I told Global Payments Check Services, INC in XXXX, IL I would pay NSF return checks within the day time period from XX/XX/XXXX to XX/XX/2019. and to Stop calling me 8 times a day. Repeat back to back calls and leaving " Threaten Hang-Up Calls '' and harassment. Their number is ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am the signer of HELOC # XXXX, however both my wife and I own the home for which the loan was taken out on. She is also the responsible party and was effected by the government shut-down as a government employee. We have been  struggling to pay this HELOC during a disaster affecting our area in XXXX ( Hurricane Harvey ), then the principal came due and now a furlough has affected our income. My wife phone quicken to let them know of this and instead of offering to help, this company reported 30 day late notices to the credit bureau. As a result, we can not refinance our mortgage to relieve us from the burden of trying to pay a variable interest rate. A second call was place to quicken and my wife was told they would look at our income, but needed to speak with me first and we would continue to be reported to the credit bureaus. This is not something that would help us, it takes more than an hour to answer their questions and our credit score would suffer if we pay less ... ... when ask about a program that would help and not affect our credit score, the representative said just pay what you owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I am trying to get PMI removed from my mortgage. My mortgage company is XXXX XXXX XXXX XXXX XXXX. My home purchase price was approx 200,000.00, Property value at time of purchase was XXXX. Now my property value is approx XXXX with a principle loan balance of approx XXXX, which makes my LTV approx XXXX.

I have followed the instructions from my mortgage company and submitted my requests in writing, but I have not gotten any responses.

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 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have been attempting to request of Suntrust Bank to drop escrow payment on my mortgage so I can pay insurance and taxes directly for 14 months now. They are refusing to recalculate my loan to value after I have invested in new pool and solar roof last year significantly boosting my home 's market value over the one they are using from 2015 when the loan was refinanced.

I have reached out to XXXX XXXX who is the mortgage investor but they were not able to compel servicer to recalculate LTV based on current market value and drop the escrow. 

My loan number is 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 explanation
Consumer complaint received 2019-03-14 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: Coastal Credit, LLC
State: GA

Complaint narrative:
Pending complaint since XX/XX/2018. Drop this account off my account!

Company response to consumer: Closed with explanation